Miami County property record for 168 Chapel Dr E, Troy, OH 45373 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,574 sqft · built 2022 |
| Lot Size | 0.348 acres (15,202 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,140 (Dec 2022) |
| Tax Bill | $3,993 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-107008 |
| Primary APN | D08-107008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| 1st Floor Area | 1,574 sqft |
| Basement Area | 1,574 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 2022 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 15,202 sqft (0.348 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 168 CHAPEL DR E |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-4658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 11438 THE RESERVE AT WASHINGTON SEC 2 |
| Legal Lot Number | 11438 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
Source: Miami County records · APN D08-107008
Assessment roll updated January 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 08, 2026 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Oct 14, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 21, 2022 | Limited Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Aug 23, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Aug 23, 2022 · Amount on Record |
| Deed Document Number | 3070 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 168 CHAPEL DRIVE, TROY, OH 45373-4658 |
| Document Number | 0000000290 |
|---|---|
| Date | Jan 08, 2026 |
| Instrument | 2026OR-00290 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 8805 GOVERNORS HILL DR, CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000011753 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025OR-11753 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 650 S TRYON ST # 88, CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 30, 2035 |
| Change Frequency | Monthly |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Dec 21, 2022 |
| Property Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000017903 |
| Map Reference | MB 29 PG 22,22A&22B |
| Instrument Date | Nov 02, 2022 |
| Instrument | 2022OR-17903 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | THIRD TITLE AGENCY INC, TRIAD TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000017904 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 2022OR-17904 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jan 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 23, 2022 |
| Property Address | 168 CHAPEL DR E, TROY, OH 45373-4658 |
| Document Number | 0000012588 |
| Map Reference | MB 29 PG 22,22A&22B |
| Instrument Date | Aug 22, 2022 |
| Instrument | 2022OR-12588 |
| 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 records · Assessment roll updated January 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,993.00 (+5.05%) Homeowner's exemption | $115,990 (+15.07%) Land $27,300 Building $88,690 | $331,400 (+15.07%) Land $78,000 Building $253,400 |
| 2024 | $3,801.00 (+2.2%) Homeowner's exemption | $100,800 (-) Land $22,750 Building $78,050 | |
| 2023 | $3,719.00 (+4,858.67%) | $100,800 (+4,321.05%) Land $22,750 Building $78,050 | $288,000 (+4,330.77%) Land $65,000 Building $223,000 |
| 2022 | $75.00 | $2,280 Land $2,280 | $6,500 Land $6,500 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093650012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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