560 Fernwood Dr, Troy, OH 45373 Property Records

Miami County property record for 560 Fernwood Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,172 sqft · built 1954
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$78,300 (Mar 2019)
Tax Bill	$1,359 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-037020`

Property Details

APN / Parcel Number

Primary APN	`D08-037020`
Alternative APNs	`011017.1-08-024-00` `D08NE029 00100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,172 sqft Living Area
1st Floor Area	1,584 sqft
Attic	Attic
Attic Area	380 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	126 ft deep x 54 ft wide
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	560 FERNWOOD DR
City	TROY
State	OH
Zip	45373-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 3672 54X126
Legal Subdivision	ARBAR ACRES
Legal Lot Number	3672
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3008
Census Tract	365101

Owner

560 Fernwood Dr is owned and occupied by two individuals who bought it in March 2019.

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	560 FERNWOOD DR, TROY, OH 45373-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 7, 2019	Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2019 · Amount on File
Deed Sale	Mar 7, 2019 · Amount on File
Prior Sale	Sep 4, 2015 · Amount on File
Deed Document Number	20192019OR-02375
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	560 FERNWOOD DR, TROY, OH 45373-2115
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020015
Date	Nov 17, 2021
Instrument	2021OR-20015

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 7, 2019
Property Address	560 FERNWOOD DR, TROY, OH 45373-2115
Document Number	0000002375
Map Reference	MB 5 PG 49
Instrument Date	Feb 1, 2019
Instrument	2019OR-02375
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
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	560 FERNWOOD DR, TROY, OH 45373-2115

Mortgage

Document Number	0000002376
Date	Mar 7, 2019
Instrument	2019OR-02376

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 560 Fernwood Dr was $1,359 with a homeowner's exemption, up 9.3% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,359.00 (+9.33%) Homeowner's exemption	$41,020 (+24.38%) Land $9,450 Building $31,570	$117,200 Land $27,000 Building $90,200
2024	$1,243.00 (+2.22%) Homeowner's exemption	$32,980 (-) Land $10,190 Building $22,790
2023	$1,216.00 (+17.49%) Homeowner's exemption	$32,980 (-) Land $10,190 Building $22,790	$94,200 (-) Land $29,100 Building $65,100
2022	$1,035.00 Homeowner's exemption	$32,980 Land $10,190 Building $22,790	$94,200 Land $29,100 Building $65,100

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

FEMA maps place 560 Fernwood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 560 Fernwood Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

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