Miami County property record for 2499 Seneca Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,768 sqft · built 1977 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,000 (Dec 2023) |
| Tax Bill | $3,457 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2024 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C06-082737 |
| Primary APN | C06-082737 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 1,820 sqft |
| Upper Floors Area | 858 sqft |
| Basement Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 224 ft deep x 106 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Street Address | 2499 SENECA DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-9558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-4-5 LOT 32 SHENANDOAH #3 |
| Legal Range | 06 |
| Legal Township | 04 |
| Legal Section | 05 |
| Legal Subdivision | SHEN #3 |
| Legal Lot Number | 32 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 365302 |
2499 Seneca Dr is owned and occupied by two individuals who bought it in December 2023.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| 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.
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION |
| Apr 3, 2024 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Dec 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Dec 28, 2022 | Deed of Trust, Mortgage WRIGHT-PATT CREDIT UNION INC |
| Apr 5, 2022 | Fiduciary Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Apr 5, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Jun 5, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on File |
| Deed Sale | Dec 5, 2023 · Amount on File |
| Prior Sale | Jan 1, 1990 |
| Deed Document Number | 202313368 |
| Prior Transfer Date | Mar 30, 2022 |
| Prior Transfer Doc | 0000005400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 17, 2026 |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000008901 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 20268901 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000008901, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 20268901 |
| Name | WRIGHT-PATT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 25, 2051 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000003270 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 2024OR-03270 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | PO BOX 340134, BEAVERCREEK, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 25, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Dec 5, 2023 |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000013368 |
| Map Reference | MB 12 PG 52 |
| Instrument Date | Nov 22, 2023 |
| Instrument | 2023OR-13368 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000013369 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 2023OR-13369 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000018091 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 2022OR-18091 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Amount | Amount on Record |
|---|
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 5, 2022 |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000005402 |
| Map Reference | MB 12 PG 52 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 2022OR-05402 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000005403 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 2022OR-05403 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2042 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 5, 2022 |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000005400 |
| Map Reference | MB 12 PG 52 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 2022OR-05400 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jun 5, 2020 |
| Property Address | 2499 SENECA DR, TROY, OH 45373-9558 |
| Document Number | 0000007252 |
| Instrument Date | Feb 15, 2020 |
| Instrument | 7252 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2499 SENECA DR TROY OH 453739558, TROY, OH 45373-9558 |
The 2025 property tax bill for 2499 Seneca Dr was $3,457 with a homeowner's exemption, up 19.3% 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 |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,457.00 (+19.33%) Homeowner's exemption | $99,160 (+35.28%) Land $21,280 Building $77,880 | $283,300 Land $60,800 Building $222,500 |
| 2024 | $2,897.00 (+2.01%) Homeowner's exemption | $73,300 (-) Land $22,160 Building $51,140 | |
| 2023 | $2,840.00 (+16.63%) Homeowner's exemption | $73,300 (-) Land $22,160 Building $51,140 | $209,400 (-) Land $63,300 Building $146,100 |
| 2022 | $2,435.00 Homeowner's exemption | $73,300 Land $22,160 Building $51,140 | $209,400 Land $63,300 Building $146,100 |
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 2499 Seneca Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 12 (2008–2014) |
| Most Recent Claim | May 2014 · river or lake flooding |
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 2499 Seneca 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.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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