Miami County property record for 35 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,225 sqft · built 1992 |
| Lot Size | 0.246 acres (10,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $161,970 (Mar 2014) |
| Tax Bill | $4,640 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101220 |
| Primary APN | D08-101220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,225 sqft Living Area |
| 1st Floor Area | 2,320 sqft |
| Upper Floors Area | 896 sqft |
| Attic | Attic |
| Attic Area | 169 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 10,707 sqft (0.246 acres) |
| Lot Dimensions | 129 ft deep x 83 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 302 sqft |
| Patio Area | 302 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 35 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 7532 85.23' FOX HARBOR SEC #1 |
| Legal Subdivision | FOX HARBOR SEC #1 |
| Legal Lot Number | 7532 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 365001 |
35 Fox Harbor Dr is owned and occupied by two individuals who bought it in March 2014.
Source: Miami County records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 35 FOX HARBOR DR, TROY, OH 45373-1082 |
| 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 |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Dec 8, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2014 · Amount on File |
| Deed Sale | Mar 4, 2014 · Amount on File |
| Prior Sale | Jan 8, 2013 · Amount on File |
| Deed Document Number | 20142014OR-02353 |
| Deed Book / Page | 496 / 723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 35 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 35 FOX HARBOR DR, TROY, OH 45373-1082 |
| Document Number | 0000012592 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022OR-12592 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 13, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 35 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000018435 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 2020OR-18435 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Feb 1, 2046 |
The 2025 property tax bill for 35 Fox Harbor Dr was $4,640 with a homeowner's exemption, up 12% 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 | $4,640.00 (+12%) Homeowner's exemption | $114,380 (+30.91%) Land $20,020 Building $94,360 | $326,800 Land $57,200 Building $269,600 |
| 2024 | $4,143.00 (+1.77%) Homeowner's exemption | $87,370 (-) Land $16,700 Building $70,670 | |
| 2023 | $4,071.00 (+48.47%) Homeowner's exemption | $87,370 (-) Land $16,700 Building $70,670 | $249,600 (-) Land $47,700 Building $201,900 |
| 2022 | $2,742.00 Homeowner's exemption | $87,370 Land $16,700 Building $70,670 | $249,600 Land $47,700 Building $201,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 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 risk around 35 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 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 193 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 |
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