175 Fox Harbor Dr, Troy, OH 45373 Property Records

Miami County property record for 175 Fox Harbor Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,708 sqft · built 1996
Lot Size	0.269 acres (11,700 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jan 2021)
Tax Bill	$4,422 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-101444`

Property Details

APN / Parcel Number

Primary APN	`D08-101444`
Alternative APN	`050618.3-04-015-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,708 sqft Living Area
1st Floor Area	2,972 sqft
Upper Floors Area	1,222 sqft
Basement Area	1,486 sqft
Unfinished Basement	1,486 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	296 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	175 FOX HARBOR DR
City	TROY
State	OH
Zip	45373-1088
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 7640 FOX HARBOR #2
Legal Subdivision	FOX HARBOR #2
Legal Lot Number	7640
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2008
Census Tract	365001

Owner

175 Fox Harbor Dr is owned and occupied by an individual who bought it in January 2021.

Source: Miami County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	175 FOX HARBOR DR, TROY, OH 45373-1088
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Prior Sale	Jan 29, 2021
Deed Document Number	20212021OR-01599
Prior Transfer Date	Apr 16, 2014
Prior Transfer Doc	0000005365
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 29, 2021
Property Address	175 FOX HARBOR DR, TROY, OH 45373-1088
Document Number	0000001599
Map Reference	MB 16 PG 59
Instrument Date	Dec 22, 2020
Instrument	2021OR-01599
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	VANTAGE LAND TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 FOX HARBOR DR, TROY, OH 45373-1088

Mortgage

Document Number	0000001600
Date	Jan 29, 2021
Instrument	2021OR-01600

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 175 Fox Harbor Dr was $4,422 with a homeowner's exemption, up 11.9% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,422.00 (+11.95%) Homeowner's exemption	$133,460 (+27.35%) Land $20,970 Building $112,490	$381,300 Land $59,900 Building $321,400
2024	$3,950.00 (+2.2%) Homeowner's exemption	$104,800 (-) Land $17,470 Building $87,330
2023	$3,865.00 (+17.48%) Homeowner's exemption	$104,800 (-) Land $17,470 Building $87,330	$299,400 (-) Land $49,900 Building $249,500
2022	$3,290.00 Homeowner's exemption	$104,800 Land $17,470 Building $87,330	$299,400 Land $49,900 Building $249,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 175 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

Wildfire risk around 175 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 99.1% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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