115 Penn Rd, Troy, OH 45373 Property Records

Miami County property record for 115 Penn Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,279 sqft · built 1950
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2018)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-030520`

Property Details

APN / Parcel Number

Primary APN	`D08-030520`
Alternative APNs	`050621.3-12-006-00` `D08SW076 00100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,279 sqft Living Area
1st Floor Area	1,728 sqft
Attic	Attic
Attic Area	415 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Game Room	Game Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	87 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	115 PENN RD
City	TROY
State	OH
Zip	45373-2953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 2971 67.17
Legal Lot Number	2971
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4001
Census Tract	365301

Owner

115 Penn Rd is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	115 PENN RD, TROY, OH 45373-2953
Occupancy	Owner Occupied
Owner Type	Individual

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 6, 2022	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 15, 2018	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2018 · Amount on File
Deed Sale	Aug 15, 2018 · Amount on File
Prior Sale	May 3, 2005 · Amount on File
Deed Document Number	20182018OR-09983
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	115 PENN RD, TROY, OH 45373-2953
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014652
Date	Oct 6, 2022
Instrument	2022OR-14652

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 25, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	115 PENN RD, TROY, OH 45373-2953
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016963
Date	Sep 29, 2021
Instrument	2021OR-16963

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 15, 2018
Property Address	115 PENN RD, TROY, OH 45373-2953
Document Number	0000009983
Instrument Date	Aug 13, 2018
Instrument	2018OR-09983
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 PENN RD, TROY, OH 45373-2953

Mortgage

Document Number	0000009984
Date	Aug 15, 2018
Instrument	2018OR-09984

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 115 Penn Rd was $2,995 with a homeowner's exemption, up 4.5% 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	$2,995.00 (+4.46%) Homeowner's exemption	$76,690 (+19.73%) Land $10,850 Building $65,840	$219,100 Land $31,000 Building $188,100
2024	$2,867.00 (+10.61%) Homeowner's exemption	$64,050 (-) Land $11,340 Building $52,710
2023	$2,592.00 (+15.71%) Homeowner's exemption	$64,050 (-) Land $11,340 Building $52,710	$183,000 (-) Land $32,400 Building $150,600
2022	$2,240.00 Homeowner's exemption	$64,050 Land $11,340 Building $52,710	$183,000 Land $32,400 Building $150,600

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 115 Penn Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 115 Penn Rd 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 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 379 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: T-Mobile, Verizon, Watch TV.

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