1130 Summit Ave, Troy, OH 45373 Property Records

Miami County property record for 1130 Summit Ave, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,071 sqft · built 1987
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,000 (Mar 2002)
Tax Bill	$5,718 (2025)
Deeds & Mortgages	Sep 2024 Second Mortgage May 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-094760`

Property Details

APN / Parcel Number

Primary APN	`D08-094760`
Alternative APNs	`050628.3-02-001-00` `D08SW112 00100`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,071 sqft Living Area
1st Floor Area	4,570 sqft
Upper Floors Area	786 sqft
Basement Area	1,311 sqft
Unfinished Basement	1,311 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	373 ft deep x 225 ft wide
Garage Type	Mixed
Garage Area	1,512 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	597 sqft
Deck Area	100 sqft
Patio Area	300 sqft
Shed	1 Shed
Shed Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1130 SUMMIT AVE
City	TROY
State	OH
Zip	45373-3038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT 189 SE COR & OUT LOT 190 S PT TR 2
Legal Subdivision	TROY
Legal Tract	2
Legal Lot Number	189-190
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2009
Census Tract	365301

Owner

Source: Miami County records, as of August 4, 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	1130 SUMMIT AVE, TROY, OH 45373-3038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABBEY CREDIT UNION A CREDIT UNION
May 21, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2002 · Amount on Record
Deed Sale	Mar 13, 2002 · Amount on Record
Prior Sale	May 1, 1986 · Amount on Record
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1130 SUMMIT AVE, TROY, OH 45373-3038
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SUMMIT AVE, TROY, OH 45373-3038

Mortgage

Document Number	0000009128
Date	Sep 10, 2024
Instrument	2024OR-09128

Lender

Name	ABBEY CREDIT UNION A CREDIT UNION
Address	800 FALLS CREEK DR, VANDALIA, OH 45377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2034

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1130 SUMMIT AVE, TROY, OH 45373-3038
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005568
Date	May 21, 2025
Instrument	2025OR-05568

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	24 EXECUTIVE PARK, IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 4, 2055

Interest

Change Frequency	Monthly

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	$5,718.00 (+12.27%) Homeowner's exemption	$172,170 (+27.53%) Land $22,400 Building $149,770	$491,900 (+27.53%) Land $64,000 Building $427,900
2024	$5,093.00 (+2.19%) Homeowner's exemption	$135,000 (-) Land $23,420 Building $111,580
2023	$4,984.00 (+17.49%) Homeowner's exemption	$135,000 (-) Land $23,420 Building $111,580	$385,700 (-) Land $66,900 Building $318,800
2022	$4,242.00 Homeowner's exemption	$135,000 Land $23,420 Building $111,580	$385,700 Land $66,900 Building $318,800

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

FEMA Flood Zone	Zone X minimal risk
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 98% of the US · lower than 90% 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 412 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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