Miami County property record for 95 Fox Harbor Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,796 sqft · built 1996 |
| Lot Size | 0.201 acres (8,751 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $369,900 (Aug 2025) |
| Tax Bill | $3,362 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-101428 |
| Primary APN | D08-101428 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,796 sqft Living Area |
| 1st Floor Area | 2,392 sqft |
| Upper Floors Area | 600 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 8,751 sqft (0.201 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 222 sqft |
| Patio Area | 222 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 95 FOX HARBOR DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-1083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 7632 FOX HARBOR #2 |
| Legal Subdivision | FOX HARBOR #2 |
| Legal Lot Number | 7632 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 365001 |
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 Record |
|---|---|
| Mailing Address | 95 FOX HARBOR DR, TROY, OH 45373-1083 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 5, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2025 · Amount on Record |
| Deed Sale | Aug 5, 2025 · Amount on Record |
| Prior Sale | Jul 11, 2002 · Amount on Record |
| Deed Document Number | 20258647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 5, 2025 |
| Property Address | 95 FOX HARBOR DR, TROY, OH 45373-1083 |
| Document Number | 0000008647 |
| Map Reference | MB 16 PGS 59 |
| Instrument Date | Jul 30, 2025 |
| Instrument | 2025OR-08647 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 95 FOX HARBOR DR, TROY, OH 45373-1083 |
| Document Number | 0000008648 |
|---|---|
| Date | Aug 5, 2025 |
| Instrument | 2025OR-08648 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 95 FOX HARBOR DR, TROY, OH 45373-1083 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004183 |
|---|---|
| Date | Apr 7, 2017 |
| Instrument | 2017OR-04183 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2047 |
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 | $3,362.00 (+8.77%) Homeowner's exemption | $101,470 (+23.73%) Land $17,990 Building $83,480 | $289,900 (+23.73%) Land $51,400 Building $238,500 |
| 2024 | $3,091.00 (+2.22%) Homeowner's exemption | $82,010 (-) Land $14,980 Building $67,030 | |
| 2023 | $3,024.00 (+17.48%) Homeowner's exemption | $82,010 (-) Land $14,980 Building $67,030 | $234,300 (-) Land $42,800 Building $191,500 |
| 2022 | $2,574.00 Homeowner's exemption | $82,010 Land $14,980 Building $67,030 | $234,300 Land $42,800 Building $191,500 |
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 |
| 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.
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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