1495 Michael Dr, Troy, OH 45373 Property Records

Miami County property record for 1495 Michael Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,646 sqft · built 1997
Lot Size	0.278 acres (12,110 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D45-002272`

Property Details

APN / Parcel Number

Primary APN	`D45-002272`
Alternative APNs	`011012.2-04-040-00` `D45NE102 01100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,646 sqft Living Area
1st Floor Area	3,532 sqft
Upper Floors Area	880 sqft
Family Room	Family Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	12,110 sqft (0.278 acres)
Lot Dimensions	121 ft deep x 101 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1495 MICHAEL DR
City	TROY
State	OH
Zip	45373-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8057 HUNTERS RUN #1
Legal Subdivision	HUNTERS RUN #1
Legal Lot Number	8057
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4021
Census Tract	365102

Owner

1495 Michael Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1495 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
Feb 9, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Apr 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1495 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002280
Date	Feb 9, 2021
Instrument	2021OR-02280

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1495 MICHAEL DR, TROY, OH 45373-6601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003935
Date	Apr 4, 2018
Instrument	2018OR-03935

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1495 Michael Dr was $3,140 with a homeowner's exemption, up 6.5% 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	$3,140.00 (+6.48%) Homeowner's exemption	$116,030 (+24.3%) Land $16,980 Building $99,050	$331,500 Land $48,500 Building $283,000
2024	$2,949.00 (+1.72%) Homeowner's exemption	$93,350 (-) Land $19,080 Building $74,270
2023	$2,899.00 (-4.51%) Homeowner's exemption	$93,350 (-) Land $19,080 Building $74,270	$266,700 (-) Land $54,500 Building $212,200
2022	$3,036.00 Homeowner's exemption	$93,350 Land $19,080 Building $74,270	$266,700 Land $54,500 Building $212,200

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

Flood

FEMA maps place 1495 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 1495 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

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