Miami County property record for 140 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,781 sqft · built 1995 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $269,900 (Apr 2023) |
| Tax Bill | $3,035 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101456 |
| Primary APN | D08-101456 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,781 sqft Living Area |
| 1st Floor Area | 3,562 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 140 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 7646 FOX HARBOR #2 |
| Legal Subdivision | FOX HARBOR #2 |
| Legal Lot Number | 7646 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
140 Fox Harbor Dr is owned and occupied by two individuals who bought it in April 2023.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 19, 2024 | Intrafamily Transfer, Transfer |
| Apr 6, 2023 | Warranty Deed, Transfer · FHA Mortgage NORTHERN MORTGAGE SERVICES LLC |
| Jan 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2023 · Amount on File |
| Deed Sale | Apr 6, 2023 · Amount on File |
| Prior Sale | Jan 14, 2019 · Amount on File |
| Deed Document Number | 20233565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jan 19, 2024 |
| Property Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000000591 |
| Map Reference | MB 16 PG 59 |
| Instrument Date | Jan 9, 2024 |
| Instrument | 2024OR-00591 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 6, 2023 |
| Property Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000003565 |
| Map Reference | MB 16 PG 59 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 2023OR-03565 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000003566 |
|---|---|
| Date | Apr 6, 2023 |
| Instrument | 2023OR-03566 |
| Name | NORTHERN MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jan 14, 2019 |
| Property Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000000525 |
| Map Reference | MB 16 PG 59 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 2019OR-00525 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 140 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000000526 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 2019OR-00526 |
| Name | SECURITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 140 Fox Harbor Dr was $3,035 with a homeowner's exemption, up 8.6% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,035.00 (+8.63%) Homeowner's exemption | $91,600 (+23.55%) Land $19,290 Building $72,310 | $261,700 Land $55,100 Building $206,600 |
| 2024 | $2,794.00 (+2.19%) Homeowner's exemption | $74,140 (-) Land $16,070 Building $58,070 | |
| 2023 | $2,734.00 (+17.49%) Homeowner's exemption | $74,140 (-) Land $16,070 Building $58,070 | $211,800 (-) Land $45,900 Building $165,900 |
| 2022 | $2,327.00 Homeowner's exemption | $74,140 Land $16,070 Building $58,070 | $211,800 Land $45,900 Building $165,900 |
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.
FEMA maps place 140 Fox Harbor Dr in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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 risk around 140 Fox Harbor Dr is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TROY CITY PWS serves 26,305 people · EPA ID OH5501612 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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