Miami County property record for 45 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,966 sqft · built 2002 |
| Lot Size | 0.249 acres (10,825 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,500 (May 2010) |
| Tax Bill | $2,542 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101222 |
| Primary APN | D08-101222 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,966 sqft Living Area |
| 1st Floor Area | 2,102 sqft |
| Upper Floors Area | 915 sqft |
| Basement Area | 1,051 sqft |
| Unfinished Basement | 1,051 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 10,825 sqft (0.249 acres) |
| Lot Dimensions | 132 ft deep x 82 ft wide |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 42 sqft |
| Patio Area | 100 sqft |
| Canopy | 351 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 45 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 7533 75.93' FOX HARBOR SEC #1 |
| Legal Subdivision | FOX HARBOR SEC #1 |
| Legal Lot Number | 7533 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 365001 |
45 Fox Harbor Dr is owned and occupied by two individuals who acquired it in September 2015.
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 FOX HARBOR DR, TROY, OH 45373-1082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2020 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Mar 16, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Jan 13, 2022 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2010 · Amount on File |
| Deed Sale | May 11, 2010 · Amount on File |
| Prior Sale | Jul 24, 2003 · Amount on File |
| Last Transfer Date | Sep 19, 2015 |
| Transfer Doc | 0000011958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 45 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002144 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 2020OR-02144 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 45 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004422 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2021OR-04422 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 45 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000780 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022OR-00780 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 45 Fox Harbor Dr was $2,542 with a homeowner's exemption, down 14.4% 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 | $2,542.00 (-14.41%) Homeowner's exemption | $118,720 (+20.83%) Land $20,090 Building $98,630 | $339,200 Land $57,400 Building $281,800 |
| 2024 | $2,970.00 (-0.4%) Homeowner's exemption | $98,250 (-0.78%) Land $16,770 Building $81,480 | |
| 2023 | $2,982.00 (+16.26%) Homeowner's exemption | $99,020 (-) Land $16,770 Building $82,250 | $280,700 (-0.78%) Land $47,900 Building $232,800 |
| 2022 | $2,565.00 Homeowner's exemption | $99,020 Land $16,770 Building $82,250 | $282,900 Land $47,900 Building $235,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 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 45 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 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: 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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