101 E Water St, Troy, OH 45373 Property Records

Miami County property record for 101 E Water St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,024 sqft · built 1898
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2019)
Tax Bill	$3,701 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Jun 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-021580`

Property Details

APN / Parcel Number

Primary APN	`D08-021580`
Alternative APNs	`050622.3-01-001-00` `D08NE002 00600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,024 sqft Living Area
1st Floor Area	1,012 sqft
2nd Floor Area	1,012 sqft
Upper Floors Area	1,012 sqft
Attic Area	101 sqft
Basement Area	1,012 sqft
Game Room	Game Room

Exterior

Year Built	Built 1898
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	100 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	D08NE002 00600
Street Address	101 E WATER ST
City	TROY
State	OH
Zip	45373-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2080 29.22
Legal Subdivision	TROY
Legal Lot Number	2080 29
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1003
Census Tract	365200

Owner

Source: Miami County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	101 E WATER ST, TROY, OH 45373-3436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit AMERICAN MORTGAGE SERVICE CO
Jun 14, 2019	Warranty Deed, Transfer · Line of Credit AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Nov 28, 2016 · Amount on Record
Deed Document Number	1147
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	101 E WATER ST, TROY, OH 45373-3436
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011162
Date	Aug 11, 2020
Instrument	2020OR-11162

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 14, 2019
Property Address	101 E WATER ST, TROY, OH 45373-3436
Document Number	0000006445
Instrument Date	Jun 6, 2019
Instrument	2019OR-06445
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	101 E WATER ST, TROY, OH 45373-3436

Mortgage

Document Number	0000006446
Date	Jun 14, 2019
Instrument	2019OR-06446

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$3,701.00 (+18.74%) Homeowner's exemption	$104,790 (+30.74%) Land $7,840 Building $96,950	$299,400 (+30.74%) Land $22,400 Building $277,000
2024	$3,117.00 (+3.76%) Homeowner's exemption	$80,150 (-) Land $8,470 Building $71,680
2023	$3,004.00 (+17.16%) Homeowner's exemption	$80,150 (-) Land $8,470 Building $71,680	$229,000 (-) Land $24,200 Building $204,800
2022	$2,564.00 Homeowner's exemption	$80,150 Land $8,470 Building $71,680	$229,000 Land $24,200 Building $204,800

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–1990)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1990 · 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.

Wildfire

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	MIAMI CO-CAMP TROY PWS private · serves 3,813 people · EPA ID OH5502503
Water Source	Purchased groundwater from TROY CITY PWS
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 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

May also be available: AT&T, Verizon, Watch TV.

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