120 Windmere Dr, Troy, OH 45373 Property Records

Miami County property record for 120 Windmere Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1962
Lot Size	0.717 acres (31,233 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2022)
Tax Bill	$2,955 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C06-080427`

Property Details

APN / Parcel Number

Primary APN	`C06-080427`
Alternative APNs	`040604.1-03-007-00` `C06CC005L01800`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	2,240 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Raised
Lot Area	31,233 sqft (0.717 acres)
Lot Dimensions	171 ft deep x 159 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Patio Area	384 sqft
Shed	1 Shed
Shed Area	120 sqft
Canopy	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	120 WINDMERE DR
City	TROY
State	OH
Zip	45373-4268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-4-4 LOT 28 VISTA RIDGE
Legal Range	06
Legal Township	04
Legal Section	04
Legal Subdivision	VISTA RIDGE
Legal Tract	28
Legal Lot Number	28
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3012
Census Tract	365302

Owner

Source: Miami County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	120 WINDMERE DR, TROY, OH 45373-4268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Warranty Deed, Transfer · USDA Mortgage UNION HOME MORTGAGE CORP
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 8, 2018	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	202214159
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 27, 2022
Property Address	120 WINDMERE DR, TROY, OH 45373-4268
Document Number	0000014159
Map Reference	VOL 7 PG 123
Instrument Date	Sep 23, 2022
Instrument	2022OR-14159
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WINDMERE DR, TROY, OH 45373-4268

Mortgage

Document Number	0000014160
Date	Sep 27, 2022
Instrument	2022OR-14160

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	120 WINDMERE DR, TROY, OH 45373-4268
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WINDMERE DR, TROY, OH 45373-4268

Mortgage

Document Number	0000014545
Date	Aug 19, 2021
Instrument	2021OR-14545

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	May 8, 2018
Property Address	120 WINDMERE DR, TROY, OH 45373-4268
Document Number	0000005517
Map Reference	VL 07 PG 123
Instrument Date	Apr 27, 2018
Instrument	2018OR-05517
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WINDMERE DR, TROY, OH 45373-4268

Mortgage

Document Number	0000005518
Date	May 8, 2018
Instrument	2018OR-05518

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,955.00 (+2.46%) Homeowner's exemption	$70,210 (+16.49%) Land $16,660 Building $53,550	$200,600 (+16.49%) Land $47,600 Building $153,000
2024	$2,884.00 (+1.66%) Homeowner's exemption	$60,270 (-) Land $17,990 Building $42,280
2023	$2,837.00 (+13.3%) Homeowner's exemption	$60,270 (-) Land $17,990 Building $42,280	$172,200 (-) Land $51,400 Building $120,800
2022	$2,504.00 Homeowner's exemption	$60,270 Land $17,990 Building $42,280	$172,200 Land $51,400 Building $120,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (2008–2014)
Most Recent Claim	May 2014 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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