1187 Waterloo St, Troy, OH 45373 Property Records

Miami County property record for 1187 Waterloo St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,672 sqft · built 2025
Lot Size	0.103 acres (4,487 sqft)
Owner	Company Name on Record
Last Sale	$44,900 (Jul 2025)
Tax Bill	$377 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`R50-041854`

Property Details

APN / Parcel Number

Primary APN	`R50-041854`
Alternative APN	`011018.1-13-020-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	3,344 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	4,487 sqft (0.103 acres)
Garage Area	444 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	1187 WATERLOO ST
City	TROY
State	OH
Zip	45373-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 11098 VILLAS OF HALIFAX
Legal Subdivision	REPLAT VILLAS OF HALIFAX SUBDIVISION
Legal Lot Number	11098
Jurisdiction	MIAMI OH
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1036
Census Tract	365101

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	Company Name on Record
Mailing Address	701 N MARKET ST, TROY, OH 45373-1421
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Construction Loan · Line of Credit PARK NATIONAL BANK
Jul 25, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Deed Document Number	20258198
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 16, 2025
Property Address	1187 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000010581
Map Reference	MB 27 PG 93
Instrument Date	Aug 6, 2025
Instrument	2025OR-10581
Transaction Type	Construction Loan
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301N S MARKET ST, TROY, OH 45373-3328

Mortgage

Document Number	0000010582
Date	Sep 16, 2025
Instrument	2025OR-10582

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	212 N MAIN ST, PIQUA, OH 45356

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Aug 6, 2045

Interest

Rate Type	Adjustable Rate

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 25, 2025
Property Address	1187 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000008198
Map Reference	MB 28 PG 8
Instrument Date	Jul 25, 2025
Instrument	2025OR-08198
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
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

Tax Assessment & Valuation

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	$377.00 (-5.04%)	$13,650 (+10.8%) Land $13,650	$39,000 (+10.8%) 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 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	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

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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