140 S Ridge Ave, Troy, OH 45373 Property Records

Miami County property record for 140 S Ridge Ave, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,334 sqft · built 1945
Lot Size	1.77 acres (77,406 sqft)
Owner	2 Individual Names on File
Last Sale	$366,000 (Nov 2020)
Tax Bill	$6,514 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Mar 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D08-103050`

Property Details

APN / Parcel Number

Primary APN	`D08-103050`
Alternative APNs	`050621.3-10-013-00` `D08SW078 01100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,334 sqft Living Area
1st Floor Area	4,884 sqft
Upper Floors Area	1,892 sqft
Basement Area	2,442 sqft
Unfinished Basement	2,442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	77,406 sqft (1.77 acres)
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	284 sqft
Patio Area	261 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	140 S RIDGE AVE
City	TROY
State	OH
Zip	45373-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8543
Legal Lot Number	8543
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4012
Census Tract	365002

Owner

140 S Ridge Ave is owned and occupied by two individuals who bought it in November 2020.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	140 S RIDGE AVE, TROY, OH 45373-2704
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
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Mar 31, 2020	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENVILLE NATIONAL BANK
Oct 21, 2020	Deed of Trust, Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Deed Document Number	20202020OR-17579
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	140 S RIDGE AVE, TROY, OH 45373-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012798
Date	Oct 29, 2019
Instrument	2019OR-12798

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	140 S RIDGE AVE, TROY, OH 45373-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004059
Date	Mar 31, 2020
Instrument	2020OR-04059

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Jan 9, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 23, 2020
Property Address	140 S RIDGE AVE, TROY, OH 45373-2704
Document Number	0000017579
Map Reference	MB 18 PG 18
Instrument Date	Nov 17, 2020
Instrument	2020OR-17579
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	140 S RIDGE AVE, TROY, OH 45373-2704

Mortgage

Document Number	0000017580
Date	Nov 23, 2020
Instrument	2020OR-17580

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	140 S RIDGE AVE, TROY, OH 45373-2704
Document Number	0000002064
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 S RIDGE AVE TROY OH 453732704, TROY, OH 45373-2704

Mortgage

Document Number	0000002064
Date	Feb 4, 2021
Instrument	2064

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 140 S Ridge Ave was $6,514 with a homeowner's exemption, up 37.7% 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	Concord Township
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,514.00 (+37.72%) Homeowner's exemption	$194,780 (+57.11%) Land $30,590 Building $164,190	$556,500 Land $87,400 Building $469,100
2024	$4,730.00 (+2.76%) Homeowner's exemption	$123,980 (-) Land $22,580 Building $101,400
2023	$4,603.00 (+17.36%) Homeowner's exemption	$123,980 (-) Land $22,580 Building $101,400	$354,200 (-) Land $64,500 Building $289,700
2022	$3,922.00 Homeowner's exemption	$123,980 Land $22,580 Building $101,400	$354,200 Land $64,500 Building $289,700

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

FEMA maps place 140 S Ridge Ave in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 140 S Ridge Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Frontier, T-Mobile, Verizon, Watch TV.

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