Miami County property record for 55 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,578 sqft · built 1993 |
| Lot Size | 0.28 acres (12,192 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $191,500 (Nov 1999) |
| Tax Bill | $4,534 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101224 |
| Primary APN | D08-101224 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,578 sqft Living Area |
| 1st Floor Area | 3,418 sqft |
| Upper Floors Area | 869 sqft |
| Basement Area | 1,709 sqft |
| Unfinished Basement | 1,709 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 12,192 sqft (0.28 acres) |
| Lot Dimensions | 127 ft deep x 96 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 336 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 55 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 7534 FOX HARBOR SEC #1 |
| Legal Subdivision | FOX HARBOR SEC #1 |
| Legal Lot Number | 7534 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 365001 |
55 Fox Harbor Dr is owned and occupied by two individuals who bought it in November 1999.
Source: Miami County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 55 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 |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING |
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Dec 4, 2017 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Jan 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jan 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 1999 · Amount on File |
| Deed Sale | Nov 3, 1999 · Amount on File |
| Prior Sale | Oct 1, 1992 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Sep 3, 2026 |
| Property Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Document Number | 0000011215 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 202611215 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Document Number | 0000011215, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 202611215 |
| Name | CAPITAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000014672 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021OR-14672 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LANDMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000015022 |
|---|---|
| Date | Dec 4, 2017 |
| Instrument | 2017OR-15022 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LANDMARK TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000000347 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 2020OR-00347 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 55 FOX HARBOR DR, TROY, OH 45373-1082 |
| Document Number | 0000001363 |
| Instrument Date | Jan 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 FOX HARBOR DR TROY OH 453731082, TROY, OH 45373-1082 |
| Document Number | 0000001363 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 1363 |
| Name | WRIGHT-PATT CU |
|---|---|
| Type | Credit Union |
| Address | BEAVERCREEK, OH 45434 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 55 Fox Harbor Dr was $4,534 with a homeowner's exemption, up 8.9% 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 | $4,534.00 (+8.94%) Homeowner's exemption | $136,820 (+23.9%) Land $21,530 Building $115,290 | $390,900 Land $61,500 Building $329,400 |
| 2024 | $4,162.00 (+2.21%) Homeowner's exemption | $110,430 (-) Land $17,920 Building $92,510 | |
| 2023 | $4,072.00 (+17.48%) Homeowner's exemption | $110,430 (-) Land $17,920 Building $92,510 | $315,500 (-) Land $51,200 Building $264,300 |
| 2022 | $3,466.00 Homeowner's exemption | $110,430 Land $17,920 Building $92,510 | $315,500 Land $51,200 Building $264,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 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 55 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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