221 Penn Rd, Troy, OH 45373 Property Records

Miami County property record for 221 Penn Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,250 (May 2021)
Tax Bill	$3,413 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2021 Sale & Line of Credit + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`D08-030860`

Property Details

APN / Parcel Number

Primary APN	`D08-030860`
Alternative APNs	`050621.3-15-002-00` `D08SW072 03300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
1st Floor Area	1,944 sqft
Upper Floors Area	972 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	93 ft deep x 70 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	221 PENN RD
City	TROY
State	OH
Zip	45373-2965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 3004 70 S PT
Legal Lot Number	3004
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4002
Census Tract	365301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	221 PENN RD, TROY, OH 45373-2965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Line of Credit PARK NATIONAL BANK
May 10, 2021	Survivorship Deed, Transfer · Line of Credit MONROE FSLA
Oct 14, 2020	Grant Deed, Transfer ATTORNEY ONLY
May 7, 2020	Foreclosure OHIO TITLE CORPORATION, OHIO TITLE CORP
Dec 8, 2010	Loan Modification, Mortgage · FHA Mortgage PNC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Oct 14, 2020 · Amount on Record
Deed Document Number	20212021OR-08080
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	221 PENN RD, TROY, OH 45373-2965
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002118
Date	Feb 5, 2021
Instrument	2021OR-02118

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	May 10, 2021
Property Address	221 PENN RD, TROY, OH 45373-2965
Document Number	0000008080
Instrument Date	May 7, 2021
Instrument	2021OR-08080
Transaction Type	Transfer
Record Updated	Aug 25, 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	221 PENN RD, TROY, OH 45373-2965

Mortgage

Document Number	0000008081
Date	May 10, 2021
Instrument	2021OR-08081

Lender

Name	MONROE FSLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 14, 2020
Property Address	221 PENN RD, TROY, OH 45373-2965
Document Number	0000015015
Instrument Date	Sep 30, 2020
Instrument	15015
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3636 WOOD REED DR TIPP CITY OH 453712575, TIPP CITY, OH 45371-2575

May 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	MIAMI OH
Recording Date	May 7, 2020
Property Address	221 PENN RD, TROY, OH 45373-2965
Document Number	0000005697
Instrument Date	Apr 26, 2020
Instrument	5697
Transaction Type	Foreclosure
Record Updated	Jul 21, 2020
Title Company	OHIO TITLE CORPORATION, OHIO TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$226.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3232 NEWMARK DR MIAMISBURG OH 453425421, MIAMISBURG, OH 45342-5421
Investor	Possibly a Property Investor

December 2010: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	221 PENN RD, TROY, OH 45373-2965
Document Number	0000000763
Instrument Date	Dec 8, 2010
Transaction Type	Mortgage
Record Updated	Feb 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 PENN RD TROY OH 453732965, TROY, OH 45373-2965

Mortgage

Document Number	0000000763
Date	Jan 22, 2019
Instrument	763

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jan 21, 2041

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$3,413.00 (+15.27%) Homeowner's exemption	$86,670 (+35%) Land $11,520 Building $75,150	$247,600 (+35.01%) Land $32,900 Building $214,700
2024	$2,961.00 (+12.12%) Homeowner's exemption	$64,200 (-) Land $12,010 Building $52,190
2023	$2,641.00 (+15.43%) Homeowner's exemption	$64,200 (-) Land $12,010 Building $52,190	$183,400 (-) Land $34,300 Building $149,100
2022	$2,288.00 Homeowner's exemption	$64,200 Land $12,010 Building $52,190	$183,400 Land $34,300 Building $149,100

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

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 85% 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 405 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
AT&T Fixed Wireless	100 / 20

May also be available: Imagine Networks, Verizon, Watch TV.

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