1120 E Main St, Troy, OH 45373 Property Records

Miami County property record for 1120 E Main St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 1950
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$224,100 (Nov 2022)
Tax Bill	$2,869 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-026520`

Property Details

APN / Parcel Number

Primary APN	`D08-026520`
Alternative APNs	`050627.4-01-043-00` `D08SE008 01600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,497 sqft Living Area
1st Floor Area	1,207 sqft
Attic Area	290 sqft
Basement Area	1,207 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	228 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	D08SE008 01600
Street Address	1120 E MAIN ST
City	TROY
State	OH
Zip	45373-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2655 50
Legal Subdivision	TROY
Legal Lot Number	2655 50
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3009
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
Mailing Address	1120 E MAIN ST, TROY, OH 45373-3449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LCNB NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Sep 10, 2012 · Amount on Record
Deed Document Number	2856
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 21, 2022
Property Address	1120 E MAIN ST, TROY, OH 45373-3449
Document Number	0000016612
Instrument Date	Nov 18, 2022
Instrument	2022OR-16612
Transaction Type	Transfer
Record Updated	Dec 9, 2022

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
Address	1120 E MAIN ST, TROY, OH 45373-3449

Mortgage

Document Number	0000016613
Date	Nov 21, 2022
Instrument	2022OR-16613

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1120 E MAIN ST, TROY, OH 45373-3449
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003752
Date	Mar 5, 2021
Instrument	2021OR-03752

Lender

Name	LCNB NATIONAL BANK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

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	$2,869.00 (+52.93%) Homeowner's exemption	$83,270 (+67.65%) Land $6,900 Building $76,370	$237,900 (+67.65%) Land $19,700 Building $218,200
2024	$1,876.00 (+2.18%) Homeowner's exemption	$49,670 (-) Land $7,180 Building $42,490
2023	$1,836.00 (+17.47%) Homeowner's exemption	$49,670 (-) Land $7,180 Building $42,490	$141,900 (-) Land $20,500 Building $121,400
2022	$1,563.00 Homeowner's exemption	$49,670 Land $7,180 Building $42,490	$141,900 Land $20,500 Building $121,400

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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

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 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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