108 E West St, Troy, OH 45373 Property Records

Miami County property record for 108 E West St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,208 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,000 (Jan 2006)
Tax Bill	$1,748 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`D08-011920`

Property Details

APN / Parcel Number

Primary APN	`D08-011920`
Alternative APNs	`050628.4-05-015-00` `D08SE041 00800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,208 sqft Living Area
1st Floor Area	1,392 sqft
Upper Floors Area	512 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	155 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	108 E WEST ST
City	TROY
State	OH
Zip	45373-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 916 32.5 W SIDE
Legal Lot Number	916
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4015
Census Tract	365200

Owner

Source: Miami County records, as of April 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	108 E WEST ST, TROY, OH 45373-4020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK.
Mar 6, 2019	Loan Modification, Mortgage · Conventional Mortgage RUSHMORE LN MGMT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2006 · Amount on Record
Deed Sale	Jan 17, 2006 · Amount on Record
Prior Sale	Feb 12, 2003 · Amount on Record
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Apr 6, 2026
Property Address	108 E WEST ST, TROY, OH 45373-4020
Document Number	0000003952
Instrument Date	Apr 2, 2026
Instrument	20263952
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E WEST ST, TROY, OH 45373-4020

Mortgage

Document Number	0000003952,
Date	Apr 6, 2026
Instrument	20263952

Lender

Name	FIRST FINANCIAL BANK.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	108 E WEST ST, TROY, OH 45373-4020
Document Number	0000003520
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 E WEST ST TROY OH 453734020, TROY, OH 45373-4020

Mortgage

Document Number	0000003520
Date	Apr 8, 2019
Instrument	3520

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	204 Months
Due	Apr 7, 2036

Interest

Rate	6%

Tax Assessment & Valuation

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	$1,748.00 (+20.22%) Homeowner's exemption	$50,760 (+31.71%) Land $8,230 Building $42,530	$145,000 (+31.7%) Land $23,500 Building $121,500
2024	$1,454.00 (+2.18%) Homeowner's exemption	$38,540 (-) Land $8,930 Building $29,610
2023	$1,423.00 (+17.51%) Homeowner's exemption	$38,540 (-) Land $8,930 Building $29,610	$110,100 (-) Land $25,500 Building $84,600
2022	$1,211.00 Homeowner's exemption	$38,540 Land $8,930 Building $29,610	$110,100 Land $25,500 Building $84,600

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
Flood Insurance Requirement	Not required lenders may require it
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

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 624 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

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

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