Miami County property record for 158 Chapel Dr E, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,464 sqft · built 2022 |
| Lot Size | 0.455 acres (19,820 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $398,200 (Feb 2023) |
| Tax Bill | $4,736 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-107012 |
| Primary APN | D08-107012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,464 sqft Living Area |
| 1st Floor Area | 2,264 sqft |
| Upper Floors Area | 1,332 sqft |
| Basement Area | 1,132 sqft |
| Finished Basement | 592 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 19,820 sqft (0.455 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 136 sqft |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 158 CHAPEL DR E |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-4658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 11440 THE RESERVE AT WASHINGTON SEC 2 |
| Legal Subdivision | RESERVE |
| Legal Lot Number | 11440 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
Source: Miami County records, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 23, 2023 | Survivorship Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC |
| Nov 15, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on Record |
| Deed Sale | Feb 23, 2023 · Amount on Record |
| Prior Sale | Nov 15, 2022 · Amount on Record |
| Deed Document Number | 20231880 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000000462 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 2026OR-00462 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 5.25% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Feb 23, 2023 |
| Property Address | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000001880 |
| Map Reference | MB 29 PG 22,22A&22B |
| Instrument Date | Dec 14, 2022 |
| Instrument | 2023OR-01880 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Amount | Amount Recorded |
|---|---|
| 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 | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000001881 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 2023OR-01881 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Nov 15, 2022 |
| Property Address | 158 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000016405 |
| Map Reference | MB 29 PG 22,22A&22B |
| Instrument Date | Nov 14, 2022 |
| Instrument | 2022OR-16405 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1974 BYERS RD, MIAMISBURG, OH 45342-3249 |
| Investor | Possibly a Property Investor |
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 | $4,736.00 (+5.08%) Homeowner's exemption | $137,270 (+14.84%) Land $27,300 Building $109,970 | $392,200 (+14.85%) Land $78,000 Building $314,200 |
| 2024 | $4,507.00 (+28.55%) Homeowner's exemption | $119,530 (+28.49%) Land $22,750 Building $96,780 | |
| 2023 | $3,506.00 (+4,574.67%) | $93,030 (+3,980.26%) Land $22,750 Building $70,280 | $341,500 (+5,153.85%) Land $65,000 Building $276,500 |
| 2022 | $75.00 | $2,280 Land $2,280 | $6,500 Land $6,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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