Miami County property record for 121 E Water St, Troy, OH 45373
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 3,019 sqft · built 1920 |
| Lot Size | 0.134 acres (5,837 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (May 1999) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-000025 |
| Primary APN | D08-000025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 3,019 sqft Total Area |
| 1st Floor Area | 3,604 sqft |
| Upper Floors Area | 1,217 sqft |
| Basement Area | 761 sqft |
| Unfinished Basement | 761 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,837 sqft (0.134 acres) |
| Lot Dimensions | 110 ft deep x 53 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 121 E WATER ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3436 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | IL 3 52.5' E PT |
| Legal Lot Number | 3 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 365200 |
121 E Water St, a duplex, is owned and occupied by an individual who bought it in May 1999.
Source: Miami County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 121 E WATER ST, TROY, OH 45373-3436 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2023 | Warranty Deed, Transfer |
| Oct 17, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 1999 · Amount on File |
| Deed Sale | May 7, 1999 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Oct 17, 2023 |
| Property Address | 121 E WATER ST, TROY, OH 45373-3436 |
| Document Number | 0000011526 |
| Instrument Date | Oct 2, 2023 |
| Instrument | 2023OR-11526 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 W WATER ST, TROY, OH 45373-3257 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Oct 17, 2023 |
| Property Address | 121 E WATER ST, TROY, OH 45373-3436 |
| Document Number | 0000011525 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 2023OR-11525 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 W WATER ST, TROY, OH 45373-3257 |
The 2025 property tax bill for 121 E Water St was $2,499, up 16.9% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,499.00 (+16.94%) | $70,390 (+33.97%) Land $9,840 Building $60,550 | $201,100 Land $28,100 Building $173,000 |
| 2024 | $2,137.00 (+4.96%) | $52,540 (-) Land $10,710 Building $41,830 | |
| 2023 | $2,036.00 (+16.34%) | $52,540 (-) Land $10,710 Building $41,830 | $150,100 (-) Land $30,600 Building $119,500 |
| 2022 | $1,750.00 | $52,540 Land $10,710 Building $41,830 | $150,100 Land $30,600 Building $119,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 1 in force |
| Nearby Flood Claims | 2 (1981–1990) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 1990 · 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.
The area around 121 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIAMI CO-CAMP TROY PWS private · serves 3,813 people · EPA ID OH5502503 |
|---|---|
| Water Source | Purchased groundwater from TROY CITY PWS |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 184 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 · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Verizon, Watch TV.
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