1645 Cornish Rd, Troy, OH 45373 Property Records

Miami County property record for 1645 Cornish Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,094 sqft · built 1973
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jan 2026)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D08-057353`

Property Details

APN / Parcel Number

Primary APN	`D08-057353`
Alternative APNs	`050617.4-06-001-00` `D08NW090 00400`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,094 sqft Living Area
1st Floor Area	2,020 sqft
Upper Floors Area	1,084 sqft
Basement Area	854 sqft
Unfinished Basement	854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	119 ft deep x 100 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	426 sqft
Deck Area	544 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1645 CORNISH RD
City	TROY
State	OH
Zip	45373-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 6235 100.
Legal Subdivision	WESTBROOK SUBDIVISION NUMBER 9
Legal Lot Number	6235
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1004
Census Tract	365002

Owner

1645 Cornish Rd is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1645 CORNISH RD, TROY, OH 45373-1117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage THE ST HENRY BANK
Jun 4, 2019	Warranty Deed, Transfer · Conventional with PMI WRIGHTPATT CU INC
Feb 3, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Jun 4, 2019 · Amount on File
Deed Document Number	2026834
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1645 CORNISH RD, TROY, OH 45373-1117
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020452
Date	Nov 24, 2021
Instrument	2021OR-20452

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1645 CORNISH RD, TROY, OH 45373-1117
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003271
Date	Apr 3, 2024
Instrument	2024OR-03271

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	PO BOX 340134, BEAVERCREEK, OH 45434

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 25, 2049

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 21, 2026
Property Address	1645 CORNISH RD, TROY, OH 45373-1117
Document Number	0000000834
Map Reference	MB 11 PG 9
Instrument Date	Jan 9, 2026
Instrument	2026OR-00834
Transaction Type	Transfer
Record Updated	Feb 3, 2026

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	1645 CORNISH RD, TROY, OH 45373-1117

Mortgage

Document Number	0000000835
Date	Jan 21, 2026
Instrument	2026OR-00835

Lender

Name	THE ST HENRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 4, 2019
Property Address	1645 CORNISH RD, TROY, OH 45373-1117
Document Number	0000005898
Instrument Date	Jun 3, 2019
Instrument	5898
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
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	1645 CORNISH RD TROY OH 453731117, TROY, OH 45373-1117

Mortgage

Document Number	5899
Date	Jun 4, 2019
Instrument	5899

Lender

Name	WRIGHTPATT CU INC
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	1645 CORNISH RD, TROY, OH 45373-1117
Document Number	0000002088
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 CORNISH RD TROY OH 453731117, TROY, OH 45373-1117

Mortgage

Document Number	0000002088
Date	Feb 21, 2017
Instrument	2088

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1645 Cornish Rd was $2,934 with a homeowner's exemption, up 0.7% 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	$2,934.00 (+0.65%) Homeowner's exemption	$88,550 (+14.48%) Land $11,550 Building $77,000	$253,000 Land $33,000 Building $220,000
2024	$2,915.00 (+2.21%) Homeowner's exemption	$77,350 (-) Land $12,460 Building $64,890
2023	$2,852.00 (+17.46%) Homeowner's exemption	$77,350 (-) Land $12,460 Building $64,890	$221,000 (-) Land $35,600 Building $185,400
2022	$2,428.00 Homeowner's exemption	$77,350 Land $12,460 Building $64,890	$221,000 Land $35,600 Building $185,400

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 1645 Cornish Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1645 Cornish Rd 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.

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 293 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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