399 Windmere Dr, Troy, OH 45373 Property Records

Miami County property record for 399 Windmere Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,813 sqft · built 2018
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Sep 2020)
Tax Bill	$10,144 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2020 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C06-084442`

Property Details

APN / Parcel Number

Primary APN	`C06-084442`
Alternative APN	`040604.2-14-006-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,813 sqft Living Area
1st Floor Area	2,813 sqft
Basement Area	2,813 sqft
Finished Basement	1,490 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	33,541 sqft (0.769 acres)
Garage Area	1,070 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	256 sqft
Patio Area	822 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	399 WINDMERE DR
City	TROY
State	OH
Zip	45373-4634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-4-4 LOT 36 MERRIMONT SUB #12
Legal Range	04
Legal Township	06
Legal Section	04
Legal Subdivision	MERRIMONT SUB #12
Legal Lot Number	36
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3013
Census Tract	365302

Owner

Source: Miami County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	399 WINDMERE DR, TROY, OH 45373-4634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Sep 29, 2020	Warranty Deed, Transfer · Line of Credit MINSTER BANK
Dec 21, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage UNION HOME MORTGAGE CORP
May 16, 2018	Warranty Deed, Construction Loan · Line of Credit GREENVILLE FED'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	2008
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	399 WINDMERE DR, TROY, OH 45373-4634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011443
Date	Sep 30, 2019
Instrument	2019OR-11443

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 29, 2020
Property Address	399 WINDMERE DR, TROY, OH 45373-4634
Document Number	0000014016
Map Reference	VOL 26 PG 34
Instrument Date	Sep 28, 2020
Instrument	2020OR-14016
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	399 WINDMERE DR, TROY, OH 45373-4634

Mortgage

Document Number	0000014017
Date	Sep 29, 2020
Instrument	2020OR-14017

Lender

Name	MINSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 21, 2018
Property Address	399 WINDMERE DR, TROY, OH 45373-4634
Document Number	0000015673
Map Reference	VOL 26 PG 34
Instrument Date	Dec 14, 2018
Instrument	2018OR-15673
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 17, 2022
Title Company	MUTUAL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8241 DOW CIR, STRONGSVILLE, OH 44136-1761

Mortgage

Document Number	0000015674
Date	Dec 21, 2018
Instrument	2018OR-15674

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

May 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 16, 2018
Property Address	399 WINDMERE DR, TROY, OH 45373-4634
Document Number	0000005898
Instrument Date	May 15, 2018
Instrument	5898
Transaction Type	Construction Loan
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$159.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1291 ARCHER DR TROY OH 453733841, TROY, OH 45373-3841

Mortgage

Document Number	5899
Date	May 16, 2018
Instrument	5899

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	GREENVILLE, OH 45331

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2019

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,144.00 (+25.61%) Homeowner's exemption	$284,660 (+36.94%) Land $33,570 Building $251,090	$813,300 (+36.94%) Land $95,900 Building $717,400
2024	$8,076.00 (+2.06%) Homeowner's exemption	$207,870 (-) Land $32,170 Building $175,700
2023	$7,913.00 (+16.99%) Homeowner's exemption	$207,870 (-) Land $32,170 Building $175,700	$593,900 (-) Land $91,900 Building $502,000
2022	$6,764.00 Homeowner's exemption	$207,870 Land $32,170 Building $175,700	$593,900 Land $91,900 Building $502,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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