1165 Waterloo St, Troy, OH 45373 Property Records

Miami County property record for 1165 Waterloo St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,648 sqft · built 2022
Lot Size	0.094 acres (4,095 sqft)
Owner	Company Name on File
Last Sale	$324,800 (Nov 2023)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Dec 2023 Transfer Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R50-041828`

Property Details

APN / Parcel Number

Primary APN	`R50-041828`
Alternative APN	`011018.1-14-007-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	3,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	4,095 sqft (0.094 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1165 WATERLOO ST
City	TROY
State	OH
Zip	45373-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 11085 VILLAS OF HALIFAX
Legal Subdivision	VILLAS OF HALIFAX SUBDIVISION
Legal Lot Number	11085
Jurisdiction	MIAMI OH
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1036
Census Tract	365101

Owner

1165 Waterloo St is owned by a company that bought it in November 2023 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1165 WATERLOO ST, TROY, OH 45373-7904
Occupancy	Owner Occupied
Owner Type	Company

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
Dec 18, 2023	Transfer on Death Deed, Transfer
Nov 8, 2023	Warranty Deed, Subdivision Related Transfer
Dec 29, 2021	Warranty Deed, Transfer · Line of Credit MONROE FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2023 · Amount on File
Deed Sale	Nov 8, 2023 · Amount on File
Deed Document Number	202312355
Record Updated	Sep 20, 2026

December 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 18, 2023
Property Address	1165 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000013822
Instrument Date	Dec 14, 2023
Instrument	2023OR-13822
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 8, 2023
Property Address	1165 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000012355
Map Reference	MB 28 PG 8
Instrument Date	Nov 3, 2023
Instrument	2023OR-12355
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount 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	1165 WATERLOO ST, TROY, OH 45373-7904

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 29, 2021
Property Address	1165 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000022449
Map Reference	MB 28 PG 8
Instrument Date	Dec 23, 2021
Instrument	2021OR-22449
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount 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	701 N MARKET ST, TROY, OH 45373-1421
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022450
Date	Dec 29, 2021
Instrument	2021OR-22450

Lender

Name	MONROE FSLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 23, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 1165 Waterloo St was $2,635 with a homeowner's exemption, down 9.2% 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	Staunton Township
Municipality	Troy City
Unified School District	Miami East Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,635.00 (-9.17%) Homeowner's exemption	$119,670 (+29.75%) Land $13,650 Building $106,020	$341,900 Land $39,000 Building $302,900
2024	$2,901.00 (+26.46%) Homeowner's exemption	$92,230 (+29.99%) Land $13,650 Building $78,580
2023	$2,294.00 (+451.44%)	$70,950 (+475.89%) Land $13,650 Building $57,300	$263,500 (+648.58%) Land $39,000 Building $224,500
2022	$416.00	$12,320 Land $12,320	$35,200 Land $35,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1165 Waterloo St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1995–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Dec 2013 · 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

Wildfire risk around 1165 Waterloo 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 96% of the US · lower than 81% 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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