Miami County property record for 821 Cobblestone Dr, Troy, OH 45373
| Property Type | Planned Unit Development |
|---|---|
| Details | 2 bd · 3 ba · 1,621 sqft · built 1992 |
| Lot Size | 0.033 acres (1,472 sqft) |
| Owner | Individual Name on File |
| Last Sale | $236,500 (Oct 2025) |
| Tax Bill | $2,330 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101328 |
| Primary APN | D08-101328 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,621 sqft Living Area |
| 1st Floor Area | 796 sqft |
| 2nd Floor Area | 529 sqft |
| Upper Floors Area | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 1,472 sqft |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Patio Area | 99 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 821 COBBLESTONE DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-2343 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Legal Description | IL 7581 - UNIT 12 COBBLESTONE POINTE THREE |
| Legal Subdivision | COBBLESTONE POINTE THREE |
| Legal Lot Number | 7581 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 365001 |
Source: Miami County assessment roll, as of January 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 821 COBBLESTONE DR, TROY, OH 45373-2343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jul 24, 2019 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 27, 2025 · Amount on Record |
| Deed Sale | Oct 27, 2025 · Amount on Record |
| Prior Sale | Jul 24, 2019 · Amount on Record |
| Deed Document Number | 2025OR-12390 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Oct 27, 2025 |
| Property Address | 821 COBBLESTONE DR, TROY, OH 45373-2343 |
| Document Number | 0000012390 |
| Map Reference | VOL 16 PG 16 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 2025OR-12390 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 COBBLESTONE DR, TROY, OH 45373-2343 |
| Document Number | 0000012391 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 2025OR-12391 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 24, 2019 |
| Property Address | 821 COBBLESTONE DR, TROY, OH 45373-2343 |
| Document Number | 0000008118 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 8118 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 COBBLESTONE DR TROY OH 453732343, TROY, OH 45373-2343 |
| Document Number | 8119 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 8119 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2049 |
Source: Miami County assessment roll, as of January 1, 2025
| 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 | $2,330.00 (+23.02%) Homeowner's exemption | $67,660 (+34.78%) Land $12,600 Building $55,060 | $193,300 (+34.8%) Land $36,000 Building $157,300 |
| 2024 | $1,894.00 (+2.21%) Homeowner's exemption | $50,200 (-) Land $12,080 Building $38,120 | |
| 2023 | $1,853.00 (+17.5%) Homeowner's exemption | $50,200 (-) Land $12,080 Building $38,120 | $143,400 (-) Land $34,500 Building $108,900 |
| 2022 | $1,577.00 Homeowner's exemption | $50,200 Land $12,080 Building $38,120 | $143,400 Land $34,500 Building $108,900 |
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.
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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2004–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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