1097 Dickerson Dr, Troy, OH 45373 Property Records

Miami County property record for 1097 Dickerson Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1996
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$324,900 (Oct 2025)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`D08-102188`

Property Details

APN / Parcel Number

Primary APN	`D08-102188`
Alternative APNs	`050628.3-21-017-00` `D08SW127 02300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
1st Floor Area	3,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,587 sqft (0.266 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	340 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1097 DICKERSON DR
City	TROY
State	OH
Zip	45373-3983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8016 PLEASANT VIEW ESTATES #1
Legal Subdivision	PLEASANT VIEW ESTATES #1
Legal Lot Number	8016
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2000
Census Tract	365302

Owner

1097 Dickerson Dr is owned and occupied by two individuals who bought it in October 2025.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1097 DICKERSON DR, TROY, OH 45373-3983
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage THE EQUITABLE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Apr 21, 2022 · Amount on File
Deed Document Number	202512470
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 28, 2025
Property Address	1097 DICKERSON DR, TROY, OH 45373-3983
Document Number	0000012470
Map Reference	MB 17 PG 39-39A
Instrument Date	Oct 6, 2025
Instrument	2025OR-12470
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGENCY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1097 DICKERSON DR, TROY, OH 45373-3983

Mortgage

Document Number	0000012471
Date	Oct 28, 2025
Instrument	2025OR-12471

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	13.2%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 21, 2022
Property Address	1097 DICKERSON DR, TROY, OH 45373-3983
Document Number	0000006336
Map Reference	MB 17 PG 39&39A
Instrument Date	Apr 14, 2022
Instrument	2022OR-06336
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 DICKERSON DR, TROY, OH 45373-3983

Mortgage

Document Number	0000006337
Date	Apr 21, 2022
Instrument	2022OR-06337

Lender

Name	THE EQUITABLE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1097 Dickerson Dr was $2,961 with a homeowner's exemption, up 5.8% from the year before.

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	$2,961.00 (+5.79%) Homeowner's exemption	$87,150 (+20.52%) Land $18,900 Building $68,250	$249,000 Land $54,000 Building $195,000
2024	$2,799.00 (+3.51%) Homeowner's exemption	$72,310 (-) Land $18,130 Building $54,180
2023	$2,704.00 (+33.01%) Homeowner's exemption	$72,310 (-) Land $18,130 Building $54,180	$206,600 (-) Land $51,800 Building $154,800
2022	$2,033.00 Homeowner's exemption	$72,310 Land $18,130 Building $54,180	$206,600 Land $51,800 Building $154,800

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

FEMA maps place 1097 Dickerson Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	13 (1983–2014)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2014 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 3 claims Severe Storms And Flooding, Aug 1995 · 2 claims

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

Wildfire risk around 1097 Dickerson 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 94% of the US · lower than 71% 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.

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 128 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

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