Miami County property record for 1151 Scott St, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,222 sqft · built 1944 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Jul 2014) |
| Tax Bill | $2,416 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-032500 |
| Primary APN | D08-032500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,222 sqft Living Area |
| 1st Floor Area | 1,752 sqft |
| Attic | Attic |
| Attic Area | 346 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 274 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1151 SCOTT ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 3198 50 |
| Legal Subdivision | CLOVERDALE ADDITION |
| Legal Lot Number | 3198 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 365200 |
1151 Scott St is owned and occupied by an individual who bought it in July 2014.
Source: Miami County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1151 SCOTT ST, TROY, OH 45373-3733 |
| 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.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Mar 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2014 · Amount on File |
| Deed Sale | Jul 1, 2014 · Amount on File |
| Prior Sale | Nov 1, 1985 · Amount on File |
| Deed Document Number | 2014OR-07055 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1151 SCOTT ST, TROY, OH 45373-3733 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1151 SCOTT ST, TROY, OH 45373-3733 |
| Document Number | 0000001495 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 2026OR-01495 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 1151 SCOTT ST, TROY, OH 45373-3733 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003814 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 2021OR-03814 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 287 Months |
| Due | Feb 1, 2045 |
The 2025 property tax bill for 1151 Scott St was $2,416 with a homeowner's exemption, up 25.4% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,416.00 (+25.38%) Homeowner's exemption | $66,290 (+46.24%) Land $7,560 Building $58,730 | $189,400 Land $21,600 Building $167,800 |
| 2024 | $1,927.00 (+1.9%) Homeowner's exemption | $45,330 (-) Land $7,880 Building $37,450 | |
| 2023 | $1,891.00 (+32.89%) Homeowner's exemption | $45,330 (-) Land $7,880 Building $37,450 | $129,500 (-) Land $22,500 Building $107,000 |
| 2022 | $1,423.00 Homeowner's exemption | $45,330 Land $7,880 Building $37,450 | $129,500 Land $22,500 Building $107,000 |
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.
FEMA maps place 1151 Scott St 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 risk around 1151 Scott St 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 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.
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 |
| 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.
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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