228 Union St, Troy, OH 45373 Property Records

Miami County property record for 228 Union St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,306 sqft · built 1920
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Mar 2022)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`D08-007420`

Property Details

APN / Parcel Number

Primary APN	`D08-007420`
Alternative APNs	`050627.2-25-013-00` `D08SE017 00100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,306 sqft Living Area
1st Floor Area	1,306 sqft
Attic Area	400 sqft
Basement Area	886 sqft

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	381 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	D08SE017 00100
Street Address	228 UNION ST
City	TROY
State	OH
Zip	45373-3661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 463 38 IN LOT 464 59
Legal Subdivision	DONALDSONS SUB
Legal Lot Number	463 38
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2009
Census Tract	365200

Owner

Source: Miami County records, as of March 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	228 UNION ST, TROY, OH 45373-3661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
May 10, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Prior Sale	May 10, 2018 · Amount on Record
Deed Document Number	698
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 28, 2022
Property Address	228 UNION ST, TROY, OH 45373-3661
Document Number	0000004932
Instrument Date	Mar 22, 2022
Instrument	2022OR-04932
Transaction Type	Transfer
Record Updated	Apr 22, 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
Address	228 UNION ST, TROY, OH 45373-3661

Mortgage

Document Number	0000004933
Date	Mar 28, 2022
Instrument	2022OR-04933

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 10, 2018
Property Address	228 UNION ST, TROY, OH 45373-3661
Document Number	0000005643
Instrument Date	Apr 27, 2018
Instrument	5643
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 UNION ST TROY OH 453733661, TROY, OH 45373-3661

Mortgage

Document Number	5644
Date	May 10, 2018
Instrument	5644

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$2,124.00 (+29.75%) Homeowner's exemption	$50,200 (+52.54%) Land $9,000 Building $41,200	$143,400 (+52.55%) Land $25,700 Building $117,700
2024	$1,637.00 (+10.01%) Homeowner's exemption	$32,910 (-) Land $7,460 Building $25,450
2023	$1,488.00 (+13.85%) Homeowner's exemption	$32,910 (-) Land $7,460 Building $25,450	$94,000 (-) Land $21,300 Building $72,700
2022	$1,307.00 Homeowner's exemption	$32,910 Land $7,460 Building $25,450	$94,000 Land $21,300 Building $72,700

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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