18 Vincent Ave, Troy, OH 45373 Property Records

Miami County property record for 18 Vincent Ave, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,876 sqft · built 1928
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$43,344 (Jul 2021)
Tax Bill	$1,575 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`D08-026190`

Property Details

APN / Parcel Number

Primary APN	`D08-026190`
Alternative APNs	`050628.4-34-012-00` `D08SW134 02000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
1st Floor Area	2,192 sqft
Upper Floors Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	124 ft deep x 85 ft wide
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	18 VINCENT AVE
City	TROY
State	OH
Zip	45373-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 2615 40 & IL 2616 45
Legal Lot Number	2615
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2000
Census Tract	365302

Owner

18 Vincent Ave is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 VINCENT AVE, TROY, OH 45373-3946
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
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 26, 2021	Land Contract, Transfer · Land Contract NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on File
Deed Sale	Jul 26, 2021 · Amount on File
Prior Sale	Nov 8, 2004 · Amount on File
Deed Document Number	20212021OR-12899
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	18 VINCENT AVE, TROY, OH 45373-3946
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 VINCENT AVE, TROY, OH 45373-3946

Mortgage

Document Number	0000000687
Date	Jan 16, 2020
Instrument	2020OR-00687

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	MIAMI OH
Recording Date	Jul 26, 2021
Property Address	18 VINCENT AVE, TROY, OH 45373-3946
Document Number	0000012899
Instrument Date	Jul 21, 2021
Instrument	2021OR-12899
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 S MULBERRY ST, 123, TROY, OH 45373-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 VINCENT AVE, TROY, OH 45373-3946

Mortgage

Date	Jul 26, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount on Record
Term	42 Months
Due	Jan 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 18 Vincent Ave was $1,575 with a homeowner's exemption, down 29.6% 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	$1,575.00 (-29.62%) Homeowner's exemption	$87,750 (+52.21%) Land $7,070 Building $80,680	$250,700 Land $20,200 Building $230,500
2024	$2,238.00 (+3.47%) Homeowner's exemption	$57,650 (-) Land $7,390 Building $50,260
2023	$2,163.00 (+17.17%) Homeowner's exemption	$57,650 (-) Land $7,390 Building $50,260	$164,700 (-) Land $21,100 Building $143,600
2022	$1,846.00 Homeowner's exemption	$57,650 Land $7,390 Building $50,260	$164,700 Land $21,100 Building $143,600

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

Flood

FEMA maps place 18 Vincent Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	13 (1983–2014)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2014 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 3 claims Severe Storms And Flooding, Aug 1995 · 2 claims

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 18 Vincent Ave 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 97% of the US · lower than 85% 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 59 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	1,000 / 1,000

May also be available: Verizon.

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