1438 Michael Dr, Troy, OH 45373 Property Records

Miami County property record for 1438 Michael Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,314 sqft · built 1999
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (Jul 2023)
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D45-022304`

Property Details

APN / Parcel Number

Primary APN	`D45-022304`
Alternative APN	`011012.2-04-028-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	2,604 sqft
Basement Area	1,290 sqft
Unfinished Basement	1,290 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	12,110 sqft (0.278 acres)
Lot Dimensions	173 ft deep x 70 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1438 MICHAEL DR
City	TROY
State	OH
Zip	45373-6604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8073 HUNTERS RUN #1
Legal Subdivision	HUNTERS RUN #1
Legal Lot Number	8073
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4020
Census Tract	365102

Owner

Source: Miami County records, as of July 28, 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	2 Individual Names on File
Mailing Address	1438 MICHAEL DR, TROY, OH 45373-6604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Oct 3, 2022	Survivorship Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 17, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2023 · Amount on File
Deed Sale	Jul 18, 2023 · Amount on File
Prior Sale	Oct 3, 2022 · Amount on File
Deed Document Number	20237690
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 18, 2023
Property Address	1438 MICHAEL DR, TROY, OH 45373-6604
Document Number	0000007690
Map Reference	MB 17 PG 46&46A
Instrument Date	Jul 14, 2023
Instrument	2023OR-07690
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	HOME SERVICES TITLE LLC

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	Joint Tenants with Right of Survivorship
Address	1438 MICHAEL DR, TROY, OH 45373-6604

Mortgage

Document Number	0000007691
Date	Jul 18, 2023
Instrument	2023OR-07691

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 3, 2022
Property Address	1438 MICHAEL DR, TROY, OH 45373-6604
Document Number	0000014468
Map Reference	MB 17 PG 46&46A
Instrument Date	Sep 26, 2022
Instrument	2022OR-14468
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	NOT AVAILABLE, PRESERVE TITLE

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	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000014469
Date	Oct 3, 2022
Instrument	2022OR-14469

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1438 MICHAEL DR, TROY, OH 45373-6604
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 MICHAEL DR, TROY, OH 45373-6604

Mortgage

Document Number	0000008549
Date	May 17, 2021
Instrument	2021OR-08549

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	215 Months
Due	Apr 27, 2039

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
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	$2,566.00 (+10.22%) Homeowner's exemption	$94,820 (+28.69%) Land $17,920 Building $76,900	$270,900 (+28.69%) Land $51,200 Building $219,700
2024	$2,328.00 (+1.75%) Homeowner's exemption	$73,680 (-) Land $20,130 Building $53,550
2023	$2,288.00 (-4.51%) Homeowner's exemption	$73,680 (-) Land $20,130 Building $53,550	$210,500 (-) Land $57,500 Building $153,000
2022	$2,396.00 Homeowner's exemption	$73,680 Land $20,130 Building $53,550	$210,500 Land $57,500 Building $153,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	13 (1980–2014)
Claims Outside the SFHA	11 of 13
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	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.

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 157 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 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Watch TV.

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