Miami County property record for 985 Oak Lea Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,546 sqft · built 1976 |
| Lot Size | 0.726 acres (31,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,000 (May 2005) |
| Tax Bill | $3,652 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | G12-082410 |
| Primary APN | G12-082410 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,546 sqft Living Area |
| 1st Floor Area | 5,532 sqft |
| Upper Floors Area | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 31,625 sqft (0.726 acres) |
| Garage Type | Mixed |
| Garage Area | 1,248 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 480 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 985 OAK LEA DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-9215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-4-9 LOT 10 ASH GROVE # 2 |
| Legal Range | 06 |
| Legal Township | 04 |
| Legal Section | 09 |
| Legal Subdivision | ASH GROVE SUBDIVISION |
| Legal Lot Number | 10 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 350102 |
985 Oak Lea Dr is owned and occupied by an individual who bought it in May 2005.
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 | Individual Name on File |
|---|---|
| Mailing Address | 985 OAK LEA DR, TROY, OH 45373-9215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Nov 18, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2005 · Amount on File |
| Deed Sale | May 9, 2005 · Amount on File |
| Prior Sale | Mar 8, 2005 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 985 OAK LEA DR, TROY, OH 45373-9215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 985 OAK LEA DR, TROY, OH 45373-9215 |
| Document Number | 0000017900 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 2022OR-17900 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 985 OAK LEA DR, TROY, OH 45373-9215 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000016604 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | 2022OR-16604 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 179 Months |
| Due | Oct 1, 2037 |
The 2025 property tax bill for 985 Oak Lea Dr was $3,652 with a homeowner's exemption, down 6.3% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Monroe Township |
| Unified School District | Tipp City Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,652.00 (-6.33%) Homeowner's exemption | $105,070 (+25.44%) Land $17,640 Building $87,430 | $300,200 Land $50,400 Building $249,800 |
| 2024 | $3,899.00 (+12.79%) Homeowner's exemption | $83,760 (-) Land $14,700 Building $69,060 | |
| 2023 | $3,457.00 (-4.63%) Homeowner's exemption | $83,760 (-) Land $14,700 Building $69,060 | $239,300 (-) Land $42,000 Building $197,300 |
| 2022 | $3,625.00 Homeowner's exemption | $83,760 Land $14,700 Building $69,060 | $239,300 Land $42,000 Building $197,300 |
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.
FEMA maps place 985 Oak Lea Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | May 2014 · rainfall accumulation |
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 985 Oak Lea 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 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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