1195 Spruce St, Troy, OH 45373 Property Records

Miami County property record for 1195 Spruce St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 2005
Lot Size	0.302 acres (13,155 sqft)
Owner	Company Name on Record
Last Sale	$89,000 (Apr 2015)
Tax Bill	$2,817 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C06-084274`

Property Details

APN / Parcel Number

Primary APN	`C06-084274`
Alternative APN	`050633.2-01-032-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	2,760 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	130 ft deep x 101 ft wide
Garage Type	Mixed
Garage Area	1,168 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1195 SPRUCE ST
City	TROY
State	OH
Zip	45373-3887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-33 LOT 182 HOME ACRES
Legal Range	06
Legal Township	05
Legal Section	33
Legal Subdivision	HOME ACRES
Legal Lot Number	182
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1036
Census Tract	365302

Owner

Source: Miami County records, as of August 4, 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	1195 SPRUCE ST, TROY, OH 45373-3887
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
May 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2015 · Amount on Record
Deed Sale	Apr 24, 2015 · Amount on Record
Prior Sale	Jan 12, 2015 · Amount on Record
Deed Document Number	2015OR-04796
Last Transfer Date	Aug 7, 2024
Transfer Doc	0000007933
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1195 SPRUCE ST, TROY, OH 45373-3887
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012196
Date	Oct 16, 2019
Instrument	2019OR-12196

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 3, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1195 SPRUCE ST, TROY, OH 45373-3887
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007244
Date	May 6, 2022
Instrument	2022OR-07244

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,817.00 (+18.61%) Homeowner's exemption	$81,730 (+33.81%) Land $6,970 Building $74,760	$233,500 (+33.81%) Land $19,900 Building $213,600
2024	$2,375.00 (+2.06%) Homeowner's exemption	$61,080 (-) Land $6,930 Building $54,150
2023	$2,327.00 (+16.99%) Homeowner's exemption	$61,080 (-) Land $6,930 Building $54,150	$174,500 (-) Land $19,800 Building $154,700
2022	$1,989.00 Homeowner's exemption	$61,080 Land $6,930 Building $54,150	$174,500 Land $19,800 Building $154,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (1999–2014)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2014 · 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 94% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures