Miami County property record for 17 E Water St, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,551 sqft · built 1920 |
| Lot Size | 0.268 acres (11,674 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $118,000 (Apr 2006) |
| Tax Bill | $2,624 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-105536 |
| Primary APN | D08-105536 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,551 sqft Living Area |
| 1st Floor Area | 2,078 sqft |
| Upper Floors Area | 1,139 sqft |
| Attic | Attic |
| Attic Area | 373 sqft |
| Basement Area | 1,039 sqft |
| Unfinished Basement | 1,039 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 11,674 sqft (0.268 acres) |
| Lot Dimensions | 280 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 1,260 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 279 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 17 E WATER ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 9964 |
| Legal Lot Number | 9964 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 365200 |
17 E Water St is owned and occupied by two individuals who bought it in April 2006.
Source: Miami County records, as of August 4, 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 | 17 E WATER ST, TROY, OH 45373-3434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2006 · Amount on File |
| Deed Sale | Apr 7, 2006 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 17 E WATER ST, TROY, OH 45373-3434 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | AREAWIDE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009301 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021OR-09301 |
| Name | CODE CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 112 Months |
| Due | Sep 1, 2030 |
The 2025 property tax bill for 17 E Water St was $2,624 with a homeowner's exemption, up 11.8% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,624.00 (+11.8%) Homeowner's exemption | $75,570 (+30.61%) Land $12,920 Building $62,650 | $215,900 Land $36,900 Building $179,000 |
| 2024 | $2,347.00 (+4.82%) | $57,860 (-) Land $14,000 Building $43,860 | |
| 2023 | $2,239.00 (+16.37%) | $57,860 (-) Land $14,000 Building $43,860 | $165,300 (-) Land $40,000 Building $125,300 |
| 2022 | $1,924.00 | $57,860 Land $14,000 Building $43,860 | $165,300 Land $40,000 Building $125,300 |
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.
FEMA maps place 17 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1981–1990) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 1990 · 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.
The area around 17 E Water St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIAMI CO-CAMP TROY PWS private · serves 3,813 people · EPA ID OH5502503 |
|---|---|
| Water Source | Purchased groundwater from TROY CITY PWS |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Verizon, Watch TV.
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