1485 Michael Dr, Troy, OH 45373 Property Records

Miami County property record for 1485 Michael Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1996
Lot Size	0.222 acres (9,670 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Oct 2017)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2022 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`D45-002270`

Property Details

APN / Parcel Number

Primary APN	`D45-002270`
Alternative APNs	`011012.2-04-039-00` `D45NE102 01000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	2,688 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	9,670 sqft (0.222 acres)
Lot Dimensions	121 ft deep x 80 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1485 MICHAEL DR
City	TROY
State	OH
Zip	45373-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8056 HUNTERS RUN #1
Legal Subdivision	HUNTERS RUN #1
Legal Lot Number	8056
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4021
Census Tract	365102

Owner

1485 Michael Dr is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1485 MICHAEL DR, TROY, OH 45373-6601
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
Dec 8, 2022	Deed of Trust, Mortgage · Loan Assumption FREEDOM MORTGAGE CORP
Oct 20, 2022	Intrafamily Transfer, Transfer
Jan 10, 2017	Deed of Trust, Mortgage · VA Mortgage PHH MORTGAGE SERVICES CORP
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 31, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Oct 18, 2017	Warranty Deed, Transfer · VA Mortgage PRIME LNDG
May 9, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2017 · Amount on File
Deed Sale	Oct 18, 2017 · Amount on File
Prior Sale	Dec 6, 2011 · Amount on File
Deed Document Number	2017OR-12694
Last Transfer Date	Oct 20, 2022
Transfer Doc	0000015338
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 MICHAEL DR, TROY, OH 45373-6601

Mortgage

Document Number	0000017320
Date	Dec 8, 2022
Instrument	2022OR-17320

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Loan Assumption
Amount	Amount on Record
Term	331 Months
Due	Jul 1, 2050

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Oct 20, 2022
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Document Number	0000015338
Map Reference	MB 17 PG 46&46A
Instrument Date	Oct 2, 2022
Instrument	2022OR-15338
Transaction Type	Transfer
Record Updated	Nov 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 MICHAEL DR, TROY, OH 45373-6601

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000324
Date	Jan 10, 2017
Instrument	2017OR-00324

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011843
Date	Oct 8, 2019
Instrument	2019OR-11843

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019470
Date	Dec 28, 2020
Instrument	2020OR-19470

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jul 1, 2050

December 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MIAMI OH
Recording Date	Dec 31, 2020
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Document Number	0000019833
Instrument Date	Dec 31, 2020
Instrument	19833
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 MICHAEL DR TROY OH 453736601, TROY, OH 45373-6601

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 18, 2017
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Document Number	0000012694
Instrument Date	Oct 17, 2017
Instrument	12694
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1485 MICHAEL DR TROY OH 453736601, TROY, OH 45373-6601

Mortgage

Document Number	12695
Date	Oct 18, 2017
Instrument	12695

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	May 9, 2017
Property Address	1485 MICHAEL DR, TROY, OH 45373-6601
Document Number	0000005568
Instrument Date	May 4, 2017
Instrument	5568
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$269.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1485 MICHAEL DR TROY OH 453736601, TROY, OH 45373-6601

Tax Assessment & Valuation

The 2025 property tax bill for 1485 Michael Dr was $2,311 with a homeowner's exemption, up 4% 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	Miami East Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,311.00 (+3.96%) Homeowner's exemption	$85,370 (+21.4%) Land $15,860 Building $69,510	$243,900 Land $45,300 Building $198,600
2024	$2,223.00 (+1.74%) Homeowner's exemption	$70,320 (-) Land $17,820 Building $52,500
2023	$2,185.00 (+4.35%) Homeowner's exemption	$70,320 (+9.24%) Land $17,820 Building $52,500	$200,900 (+9.24%) Land $50,900 Building $150,000
2022	$2,094.00 Homeowner's exemption	$64,370 Land $17,820 Building $46,550	$183,900 Land $50,900 Building $133,000

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

FEMA maps place 1485 Michael Dr in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1980.

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

Wildfire risk around 1485 Michael Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 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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