Miami County property record for 191 Chapel Dr E, Troy, OH 45373 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,400 sqft · built 2021 |
| Lot Size | 0.354 acres (15,425 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,000 (Jun 2026) |
| Tax Bill | $4,883 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-106756 |
| Primary APN | D08-106756 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Upper Floors Area | 1,320 sqft |
| Basement Area | 1,080 sqft |
| Game Room | Game Room |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 15,425 sqft (0.354 acres) |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 191 CHAPEL DR E |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-4659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 10955 THE RESERVE AT WASHINGTON |
| Legal Subdivision | THE RESERVE WASHINGTON |
| Legal Lot Number | 10955 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 365001 |
Source: Miami County records · APN D08-106756
Assessment roll updated March 6, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC |
| Apr 25, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jun 03, 2026 | Warranty Deed, Transfer · Conventional Mortgage PRIMECAP LENDING LLC |
| Aug 03, 2021 | Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Apr 13, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 03, 2026 · Amount on Record |
| Deed Sale | Jun 03, 2026 · Amount on Record |
| Prior Sale | Aug 03, 2021 · Amount on Record |
| Deed Document Number | 20266727 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000005346 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 2023OR-05346 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Document Number | 0000004445 |
|---|---|
| Date | Apr 25, 2025 |
| Instrument | 2025OR-04445 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 5555 CLEVELAND AVE, COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jun 03, 2026 |
| Property Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Document Number | 0000006727 |
| Instrument Date | Jun 01, 2026 |
| Instrument | 20266727 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | NORTHWEST SELECT TITLE, NORTHWEST FIDELITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100,798.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Document Number | 0000006728, |
|---|---|
| Date | Jun 03, 2026 |
| Instrument | 20266728 |
| Name | PRIMECAP LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 03, 2021 |
| Property Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Document Number | 0000013457 |
| Map Reference | MB 27 PG 74,74A&74B |
| Instrument Date | Jun 29, 2021 |
| Instrument | 2021OR-13457 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| 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 | 191 CHAPEL DRIVE, TROY, OH 45373-4659 |
| Document Number | 0000013458 |
|---|---|
| Date | Aug 03, 2021 |
| Instrument | 2021OR-13458 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Aug 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 13, 2021 |
| Property Address | 191 CHAPEL DR E, TROY, OH 45373-4659 |
| Document Number | 0000006291 |
| Map Reference | MB 27 PG 74,74A&74B |
| Instrument Date | Apr 08, 2021 |
| Instrument | 2021OR-06291 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| 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 March 6, 2026 · Last verified June 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,883.00 (-9.89%) Homeowner's exemption | $141,860 (-1.29%) Land $27,300 Building $114,560 | $405,300 (-1.29%) Land $78,000 Building $327,300 |
| 2024 | $5,419.00 (+2.21%) Homeowner's exemption | $143,710 (-) Land $22,750 Building $120,960 | |
| 2023 | $5,302.00 (+17.48%) Homeowner's exemption | $143,710 (-) Land $22,750 Building $120,960 | $410,600 (-) Land $65,000 Building $345,600 |
| 2022 | $4,513.00 Homeowner's exemption | $143,710 Land $22,750 Building $120,960 | $410,600 Land $65,000 Building $345,600 |
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 |
| Nearby Flood Policies | 1 in force |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 220 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Spectrum | Cable | 1,000 / 1,000 |
| Benton Ridge Telephone Company | Fixed Wireless (licensed-by-rule) | 400 / 40 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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