1193 Waterloo St, Troy, OH 45373 Property Records

Miami County property record for 1193 Waterloo St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,779 sqft · built 2025
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$382,800 (Aug 2025)
Tax Bill	$406 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Oct 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R50-041856`

Property Details

APN / Parcel Number

Primary APN	`R50-041856`
Alternative APN	`011018.1-13-021-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,779 sqft

Exterior

Year Built	Built 2025
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	6,970 sqft (0.16 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	168 sqft
Canopy	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1193 WATERLOO ST
City	TROY
State	OH
Zip	45373-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 11099 VILLAS OF HALIFAX
Legal Lot Number	11099
Jurisdiction	MIAMI OH
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1036
Census Tract	365101

Owner

Source: Miami County records, as of March 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1193 WATERLOO ST, TROY, OH 45373-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2025	Survivorship Deed, Transfer · Conventional Mortgage GREENVILLE FEDERAL
Oct 22, 2024	Warranty Deed, Construction Loan · Construction Mortgage PARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Oct 22, 2024 · Amount on Record
Deed Document Number	2025OR-09321
Record Updated	Jun 8, 2026

August 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 20, 2025
Property Address	1193 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000009321
Map Reference	MB 27 PG 93
Instrument Date	Aug 13, 2025
Instrument	2025OR-09321
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1193 WATERLOO ST, TROY, OH 45373-7904

Mortgage

Document Number	0000009322
Date	Aug 20, 2025
Instrument	2025OR-09322

Lender

Name	GREENVILLE FEDERAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 22, 2024
Property Address	1193 WATERLOO ST, TROY, OH 45373-7904
Document Number	0000010879
Map Reference	MB 28 PG 8
Instrument Date	Oct 1, 2024
Instrument	2024OR-10879
Transaction Type	Construction Loan
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 N MARKET ST, TROY, OH 45373-1421
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010880
Date	Oct 22, 2024
Instrument	2024OR-10880

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Oct 22, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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 (+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 is set for property tax purposes, not a market price estimate; it is 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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