Miami County property record for 2656 Shady Tree Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,395 sqft · built 2012 |
| Lot Size | 0.209 acres (9,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $393,000 (Jul 2022) |
| Tax Bill | $4,467 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jul 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-105942 |
| Primary APN | D08-105942 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| 1st Floor Area | 2,790 sqft |
| Basement Area | 1,395 sqft |
| Finished Basement | 1,395 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 9,100 sqft (0.209 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 936 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2656 SHADY TREE DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-7619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 10274 EDGEWATER #6 |
| Legal Subdivision | EDGEWATER #6 |
| Legal Lot Number | 10274 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 365301 |
2656 Shady Tree Dr is owned and occupied by two individuals who bought it in July 2022.
Source: Miami County records, as of April 2, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC |
| Jul 6, 2022 | Survivorship Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Jan 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Feb 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| Jun 26, 2018 | Deed of Trust, Mortgage · Line of Credit ABBEY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on File |
| Deed Sale | Jul 6, 2022 · Amount on File |
| Prior Sale | Feb 1, 2021 · Amount on File |
| Deed Document Number | 202210293 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000011531 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | 2022OR-11531 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 6, 2022 |
| Property Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000010293 |
| Map Reference | MB 22 PG 72 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 2022OR-10293 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | SIDWELL TITLE, BIDWELL TITLE |
| 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 | Joint Tenants with Right of Survivorship |
| Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000010294 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 2022OR-10294 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 7 Months |
| Due | Feb 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000098 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 2020OR-00098 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Feb 1, 2021 |
| Property Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000001730 |
| Map Reference | MB 22 PG 72 |
| Instrument Date | Jan 23, 2021 |
| Instrument | 2021OR-01730 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2021 |
| Title Company | 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 | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000001732 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021OR-01732 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2656 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000011549 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2656 SHADY TREE DR TROY OH 453737619, TROY, OH 45373-7619 |
| Document Number | 0000011549 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 11549 |
| Name | ABBEY CU |
|---|---|
| Type | Credit Union |
| Address | VANDALIA, OH 45377 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 19, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2656 Shady Tree Dr was $4,467 with a homeowner's exemption, up 38.3% 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 |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,467.00 (+38.25%) Homeowner's exemption | $129,780 (+51.47%) Land $19,670 Building $110,110 | $370,800 Land $56,200 Building $314,600 |
| 2024 | $3,231.00 (+2.21%) Homeowner's exemption | $85,680 (-) Land $19,600 Building $66,080 | |
| 2023 | $3,161.00 (+17.47%) Homeowner's exemption | $85,680 (-) Land $19,600 Building $66,080 | $244,800 (-) Land $56,000 Building $188,800 |
| 2022 | $2,691.00 Homeowner's exemption | $85,680 Land $19,600 Building $66,080 | $244,800 Land $56,000 Building $188,800 |
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 2656 Shady Tree 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 | 3 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 2656 Shady Tree 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 98% of the US · lower than 90% 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 91 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 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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