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20 Fox Harbor Dr, Troy, OH 45373 Property Records

Miami County property record for 20 Fox Harbor Dr, Troy, OH 45373

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,212 sqft · built 1992
Lot Size0.24 acres (10,450 sqft)
OwnerIndividual Name on Record
Last Sale$192,000 (Feb 2017)
Tax Bill$4,128 (2025)
Deeds & MortgagesSep 2020 Mortgage
Feb 2017 Mortgage
Flood ZoneZone X (minimal risk)
APND08-101246

Property Details

APN / Parcel Number

Primary APND08-101246
Alternative APN
  • 050618.2-09-002-00

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,212 sqft Living Area
1st Floor Area2,520 sqft
Upper Floors Area952 sqft
Basement Area1,260 sqft
Unfinished Basement1,260 sqft
Family RoomFamily Room
Game RoomGame Room

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area10,450 sqft (0.24 acres)
Lot Dimensions134 ft deep x 78 ft wide
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area648 sqft
PorchSlab
Porch Area238 sqft
Deck AreaDeck Area
Patio Area384 sqft
Canopy448 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerConnected

Location & Zoning

Street Address20 FOX HARBOR DR
CityTROY
StateOH
Zip45373-1081
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionIL 7545 62.74' FOX HARBOR SEC #1
Legal SubdivisionFOX HARBOR SEC #1
Legal Lot Number7545
JurisdictionMIAMI OH
Township / Civil DivisionCONCORD
Census Block Group2
Census Block2005
Census Tract365001

Owner

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 RecordIndividual Name on Record
Mailing Address20 FOX HARBOR DR, TROY, OH 45373-1081
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 3, 2020Deed of Trust, Mortgage · Conventional Mortgage
SOUTHPOINT FINANCIAL SERVICES INC
Feb 6, 2017Warranty Deed, Transfer
WRIGHT-PATT CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 6, 2017 · Amount on Record
Deed SaleFeb 6, 2017 · Amount on Record
Prior SaleJan 23, 1996 · Amount on Record
Deed Document Number2017OR-01509
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIAMI OH
Property Address20 FOX HARBOR DR, TROY, OH 45373-1081
Transaction TypeMortgage
Record UpdatedAug 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012561
DateSep 3, 2020
Instrument2020OR-12561
Lender
NameSOUTHPOINT FINANCIAL SERVICES INC
TypeSubprime Lender
AddressALPHARETTA, GA 30005
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMIAMI OH
Recording DateFeb 6, 2017
Property Address20 FOX HARBOR DR, TROY, OH 45373-1081
Document Number0000001509
Instrument DateFeb 3, 2017
Instrument1509
Transaction TypeTransfer
Record UpdatedMar 15, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20 FOX HARBOR DR TROY OH 453731081, TROY, OH 45373-1081

Mortgage

Document Number1510
DateFeb 6, 2017
Instrument1510
Lender
NameWRIGHT-PATT CU
TypeCredit Union
AddressBEAVERCREEK, OH 45431
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMiami County
County SubdivisionConcord Township
MunicipalityTroy City
Unified School DistrictTroy City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,128.00 (+15.08%) Homeowner's exemption$121,210 (+27.6%) Land $19,780 Building $101,430$346,300 (+27.6%) Land $56,500 Building $289,800
2024$3,587.00 (+2.19%) Homeowner's exemption$94,990 (-) Land $16,450 Building $78,540
2023$3,510.00 (+17.43%) Homeowner's exemption$94,990 (-) Land $16,450 Building $78,540$271,400 (-) Land $47,000 Building $224,400
2022$2,989.00 Homeowner's exemption$94,990 Land $16,450 Building $78,540$271,400 Land $47,000 Building $224,400

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 90% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemTROY CITY PWS
serves 26,305 people · EPA ID OH5501612
Water SourceGroundwater
Last State InspectionSep 2025
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 193 locations within half a mile, as of December 31, 2025

ProviderMax 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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