195 Riverside Dr, Troy, OH 45373 Property Records

Miami County property record for 195 Riverside Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,085 sqft · built 1934
Lot Size	0.497 acres (21,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2022)
Tax Bill	$3,400 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-101790`

Property Details

APN / Parcel Number

Primary APN	`D08-101790`
Alternative APNs	`011018.3-01-020-00` `D08NW061 01000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,085 sqft Living Area
1st Floor Area	2,400 sqft
Upper Floors Area	885 sqft
Basement Area	1,408 sqft
Unfinished Basement	1,200 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	21,649 sqft (0.497 acres)
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	195 RIVERSIDE DR
City	TROY
State	OH
Zip	45373-1457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 7824
Legal Lot Number	7824
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2046
Census Tract	365101

Owner

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 Record
Mailing Address	195 RIVERSIDE DR, TROY, OH 45373-1457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK OF WESTERN OHIO
Nov 28, 2022	Warranty Deed, Transfer · Line of Credit THE COVINGTON SLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on Record
Deed Sale	Nov 28, 2022 · Amount on Record
Prior Sale	Jul 9, 2004 · Amount on Record
Deed Document Number	202216821
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	195 RIVERSIDE DR, TROY, OH 45373-1457
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 RIVERSIDE DR, TROY, OH 45373-1457

Mortgage

Document Number	0000011206
Date	Sep 30, 2025
Instrument	2025OR-11206

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2055

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 28, 2022
Property Address	195 RIVERSIDE DR, TROY, OH 45373-1457
Document Number	0000016821
Map Reference	MB 16 PG 122
Instrument Date	Nov 1, 2022
Instrument	2022OR-16821
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	195 RIVERSIDE DR, TROY, OH 45373-1457

Mortgage

Document Number	0000016822
Date	Nov 28, 2022
Instrument	2022OR-16822

Lender

Name	THE COVINGTON SLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,400.00 (+32.55%) Homeowner's exemption	$102,520 (+50.65%) Land $11,130 Building $91,390	$292,900 (+50.67%) Land $31,800 Building $261,100
2024	$2,565.00 (+2.23%) Homeowner's exemption	$68,050 (-) Land $9,280 Building $58,770
2023	$2,509.00 (+17.46%) Homeowner's exemption	$68,050 (-) Land $9,280 Building $58,770	$194,400 (-) Land $26,500 Building $167,900
2022	$2,136.00 Homeowner's exemption	$68,050 Land $9,280 Building $58,770	$194,400 Land $26,500 Building $167,900

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

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 32 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 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

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