Miami County property record for 170 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,957 sqft · built 1999 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Sep 2018) |
| Tax Bill | $4,467 (2025) |
| Deeds & Mortgages | Aug 2017 Line of Credit Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101450 |
| Primary APN | D08-101450 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,957 sqft Living Area |
| 1st Floor Area | 3,362 sqft |
| Upper Floors Area | 1,054 sqft |
| Attic | Attic |
| Attic Area | 222 sqft |
| Family Room | Family Room |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 12,502 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 170 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 7643 FOX HARBOR #2 |
| Legal Subdivision | FOX HARBOR #2 |
| Legal Lot Number | 7643 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
170 Fox Harbor Dr is owned and occupied by an individual who bought it in September 2018.
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 File |
|---|---|
| Mailing Address | 170 FOX HARBOR DR, TROY, OH 45373-1086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2017 | Deed of Trust, Mortgage · Line of Credit MINSTER BANK |
| Mar 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MINSTER BANK |
| Sep 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2018 · Amount on File |
| Deed Sale | Sep 21, 2018 · Amount on File |
| Prior Sale | Feb 27, 2008 · Amount on File |
| Deed Document Number | 20182018OR-11657 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 170 FOX HARBOR DR, TROY, OH 45373-1086 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009315 |
|---|---|
| Date | Aug 1, 2017 |
| Instrument | 2017OR-09315 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Address | TROY, OH 45373 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 20, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 170 FOX HARBOR DR, TROY, OH 45373-1086 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002693 |
|---|---|
| Date | Mar 8, 2018 |
| Instrument | 2018OR-02693 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 20, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Sep 21, 2018 |
| Property Address | 170 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000011657 |
| Map Reference | BK16 PG59 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018OR-11657 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $498.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 170 FOX HARBOR DR, TROY, OH 45373-1086 |
| Document Number | 0000011658 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 2018OR-11658 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 170 Fox Harbor Dr was $4,467 with a homeowner's exemption, up 14.9% 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 | $4,467.00 (+14.86%) Homeowner's exemption | $134,790 (+30.64%) Land $21,840 Building $112,950 | $385,100 Land $62,400 Building $322,700 |
| 2024 | $3,889.00 (+2.21%) Homeowner's exemption | $103,180 (-) Land $18,200 Building $84,980 | |
| 2023 | $3,805.00 (+17.47%) Homeowner's exemption | $103,180 (-) Land $18,200 Building $84,980 | $294,800 (-) Land $52,000 Building $242,800 |
| 2022 | $3,239.00 Homeowner's exemption | $103,180 Land $18,200 Building $84,980 | $294,800 Land $52,000 Building $242,800 |
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.
FEMA maps place 170 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 170 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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