1168 Waterloo St, Troy, OH 45373 Property Records

Miami County property record for 1168 Waterloo St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 2025
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2026)
Tax Bill	$406 (2025)
Deeds & Mortgages	Jan 2025 Construction Loan Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R50-041844`

Property Details

APN / Parcel Number

Primary APN	`R50-041844`
Alternative APN	`011018.1-13-015-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	3,696 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	6,752 sqft (0.155 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Canopy	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1168 WATERLOO ST
City	TROY
State	OH
Zip	45373-7903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 11093 VILLAS OF HALIFAX
Legal Subdivision	VILLAS OF HALIFAX SUBDIVISION
Legal Lot Number	11093
Jurisdiction	MIAMI OH
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1036
Census Tract	365101

Owner

1168 Waterloo St is owned and occupied by an individual who bought it in June 2026.

Source: Miami County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	1168 WATERLOO ST, TROY, OH 45373-7903
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
Jan 15, 2025	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 21, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on File
Deed Sale	Jun 22, 2026 · Amount on File
Prior Sale	Oct 21, 2024 · Amount on File
Deed Document Number	20267578
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1168 WATERLOO ST, TROY, OH 45373-7903
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 W FARRINGTON RD, COVINGTON, OH 45318-8982
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000406
Date	Jan 15, 2025
Instrument	2025OR-00406

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	2 ALLEGHENY CTR STE 200, PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 22, 2026
Property Address	1168 WATERLOO ST, TROY, OH 45373-7903
Document Number	0000007578
Instrument Date	Jun 18, 2026
Instrument	20267578
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 WATERLOO ST, TROY, OH 45373-7903

Mortgage

Document Number	0000007579,
Date	Jun 22, 2026
Instrument	20267579

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 21, 2024
Property Address	1168 WATERLOO ST, TROY, OH 45373-7903
Document Number	0000010794
Map Reference	VOL 28 PG 8
Instrument Date	Oct 17, 2024
Instrument	2024OR-10794
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 W FARRINGTON RD, COVINGTON, OH 45318-8982
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1168 Waterloo St was $406, up 2.3% 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	$406.00 (+2.27%)	$13,650 (+10.8%) Land $13,650	$39,000 Land $39,000
2024	$397.00 (-0.25%)	$12,320 (-) Land $12,320
2023	$398.00 (-4.33%)	$12,320 (-) Land $12,320	$35,200 (-) Land $35,200
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 1168 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 1168 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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