Miami County property record for 160 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,708 sqft · built 1995 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $174,500 (May 2006) |
| Tax Bill | $3,485 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101452 |
| Primary APN | D08-101452 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 1,960 sqft |
| Upper Floors Area | 728 sqft |
| Basement Area | 980 sqft |
| Unfinished Basement | 980 sqft |
| Family Room | Family Room |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | 320 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 160 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 7644 FOX HARBOR #2 |
| Legal Subdivision | FOX HARBOR #2 |
| Legal Lot Number | 7644 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
Source: Miami County records, as of July 28, 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 | 160 FOX HARBOR DR, TROY, OH 45373-1086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jun 14, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2006 · Amount on Record |
| Deed Sale | May 18, 2006 · Amount on Record |
| Prior Sale | May 17, 2006 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 160 FOX HARBOR DR, TROY, OH 45373-1086 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005999 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 2020OR-00005999 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 160 FOX HARBOR DR, TROY, OH 45373-1086 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000009259 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022OR-09259 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,485.00 (+8.7%) Homeowner's exemption | $105,180 (+23.65%) Land $19,290 Building $85,890 | $300,500 (+23.66%) Land $55,100 Building $245,400 |
| 2024 | $3,206.00 (+2.2%) Homeowner's exemption | $85,060 (-) Land $16,070 Building $68,990 | |
| 2023 | $3,137.00 (+17.49%) Homeowner's exemption | $85,060 (-) Land $16,070 Building $68,990 | $243,000 (-) Land $45,900 Building $197,100 |
| 2022 | $2,670.00 Homeowner's exemption | $85,060 Land $16,070 Building $68,990 | $243,000 Land $45,900 Building $197,100 |
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.
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 | 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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