111 E Water St, Troy, OH 45373 Property Records

Miami County property record for 111 E Water St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,014 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,000 (Jul 2024)
Tax Bill	$3,298 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D08-000020`

Property Details

APN / Parcel Number

Primary APN	`D08-000020`
Alternative APNs	`050622.3-01-003-00` `D08NE002 00800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,014 sqft Living Area
1st Floor Area	2,116 sqft
Upper Floors Area	956 sqft
Basement Area	1,058 sqft
Unfinished Basement	1,058 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	205 ft deep x 52 ft wide

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	111 E WATER ST
City	TROY
State	OH
Zip	45373-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 3 12.5 & IN LOT 2082 39.22 SW COR
Legal Subdivision	TROY
Legal Lot Number	3
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1003
Census Tract	365200

Owner

Source: Miami County records, as of July 28, 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	111 E WATER ST, TROY, OH 45373-3436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Apr 16, 2018	Grant Deed, Transfer · Line of Credit GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2024 · Amount on Record
Deed Sale	Jul 24, 2024 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	20247336
Prior Transfer Date	Oct 16, 2019
Prior Transfer Doc	0000012549
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	111 E WATER ST, TROY, OH 45373-3436
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 E WATER ST, TROY, OH 45373-3436

Mortgage

Document Number	0000013603
Date	Nov 24, 2025
Instrument	2025OR-13603

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	3560 PENTAGON BLVD, BEAVERCREEK, OH 45431

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 25, 2050

Interest

Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	111 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	0000002352
Date	Feb 28, 2018
Instrument	2018OR-02352

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 9, 2028

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 12, 2022
Property Address	111 E WATER ST, TROY, OH 45373-3436
Document Number	0000013462
Instrument Date	Jul 11, 2022
Instrument	2022OR-13462
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	111 E WATER ST, TROY, OH 45373-3436

Mortgage

Document Number	0000013463
Date	Sep 12, 2022
Instrument	2022OR-13463

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 16, 2018
Property Address	111 E WATER ST, TROY, OH 45373-3436
Document Number	0000004494
Instrument Date	Apr 13, 2018
Instrument	4494
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
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	2896 N RIVER RD YELLOW SPRINGS OH 453879608, YELLOW SPRINGS, OH 45387-9608

Mortgage

Document Number	4495
Date	Apr 16, 2018
Instrument	4495

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2033

Interest

Rate Type	Adjustable Rate

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	$3,298.00 (+16.37%) Homeowner's exemption	$96,500 (+33.05%) Land $10,500 Building $86,000	$275,700 (+33.06%) Land $30,000 Building $245,700
2024	$2,834.00 (+1.18%) Homeowner's exemption	$72,530 (-) Land $11,380 Building $61,150
2023	$2,801.00 (+17.34%)	$72,530 (-) Land $11,380 Building $61,150	$207,200 (-) Land $32,500 Building $174,700
2022	$2,387.00	$72,530 Land $11,380 Building $61,150	$207,200 Land $32,500 Building $174,700

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.

Nearby Properties on E Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures