115 E Water St, Troy, OH 45373 Property Records

Miami County property record for 115 E Water St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,332 sqft · built 1920
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Dec 2023)
Tax Bill	$844 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-000030`

Property Details

APN / Parcel Number

Primary APN	`D08-000030`
Alternative APNs	`050622.3-01-004-00` `D08NE002 00900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,800 sqft
Attic	Attic
Attic Area	432 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	105 ft deep x 53 ft wide
Porch	Slab
Porch Area	264 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	115 E WATER ST
City	TROY
State	OH
Zip	45373-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 3 54 1/2 MID PT
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	Individual Name on Record
Mailing Address	115 E WATER ST, TROY, OH 45373-3436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Dec 2, 1993 · Amount on Record
Deed Document Number	202314161
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 28, 2023
Property Address	115 E WATER ST, TROY, OH 45373-3436
Document Number	0000014161
Instrument Date	Dec 21, 2023
Instrument	2023OR-14161
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	STERLING LAND TITLE AGCY INC

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	115 E WATER ST, TROY, OH 45373-3436

Mortgage

Document Number	0000014162
Date	Dec 28, 2023
Instrument	2023OR-14162

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	115 E WATER ST, TROY, OH 45373-3436
Document Number	0000001721
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 E WATER ST TROY OH 453733436, TROY, OH 45373-3436

Mortgage

Document Number	0000001721
Date	Feb 15, 2019
Instrument	1721

Lender

Name	WRIGHT-PATT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$844.00 (-39.06%) Homeowner's exemption	$44,390 (+27.3%) Land $9,560 Building $34,830	$126,800 (+27.31%) Land $27,300 Building $99,500
2024	$1,385.00 (+4.84%) Homeowner's exemption	$34,870 (-) Land $10,330 Building $24,540
2023	$1,321.00 (+16.9%) Homeowner's exemption	$34,870 (-) Land $10,330 Building $24,540	$99,600 (-) Land $29,500 Building $70,100
2022	$1,130.00 Homeowner's exemption	$34,870 Land $10,330 Building $24,540	$99,600 Land $29,500 Building $70,100

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.

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