236 Oak St, Troy, OH 45373 Property Records

Miami County property record for 236 Oak St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,123 sqft · built 1920
Lot Size	0.168 acres (7,327 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Oct 2021)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`D08-004560`

Property Details

APN / Parcel Number

Primary APN	`D08-004560`
Alternative APNs	`050627.2-26-012-00` `D08SE018 00300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,123 sqft Living Area
1st Floor Area	1,248 sqft
Upper Floors Area	499 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,327 sqft (0.168 acres)
Lot Dimensions	111 ft deep x 66 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	236 OAK ST
City	TROY
State	OH
Zip	45373-3645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 194 66.25 CEN PT
Legal Subdivision	THE CITY OF TROY
Legal Lot Number	194
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3002
Census Tract	365200

Owner

236 Oak St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	236 OAK ST, TROY, OH 45373-3645
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
Oct 27, 2021	Survivorship Deed, Transfer · FHA Mortgage US BANK NA
Dec 23, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 21, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage OHIO HOUSING FINANCE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Prior Sale	Oct 27, 2021
Deed Document Number	20212021OR-18776
Record Updated	Oct 29, 2026

October 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 27, 2021
Property Address	236 OAK ST, TROY, OH 45373-3645
Document Number	0000018776
Map Reference	VOL 19 PG 45
Instrument Date	Oct 26, 2021
Instrument	2021OR-18776
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	236 OAK ST, TROY, OH 45373-3645

Mortgage

Document Number	0000018777
Date	Oct 27, 2021
Instrument	2021OR-18777

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	236 OAK ST, TROY, OH 45373-3645
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 OAK ST, TROY, OH 45373-3645

Mortgage

Document Number	0000019400
Date	Dec 23, 2020
Instrument	2020OR-19400

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Oct 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 21, 2018
Property Address	236 OAK ST, TROY, OH 45373-3645
Document Number	0000011643
Map Reference	VL19 PG45
Instrument Date	Sep 19, 2018
Instrument	2018OR-11643
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 OAK ST, TROY, OH 45373-3645

Mortgage

Document Number	0000011645
Date	Sep 21, 2018
Instrument	2018OR-11645

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 236 Oak St was $2,500 with a homeowner's exemption, up 26.5% 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	$2,500.00 (+26.52%) Homeowner's exemption	$61,180 (+53.45%) Land $8,540 Building $52,640	$174,800 Land $24,400 Building $150,400
2024	$1,976.00 (+7.51%) Homeowner's exemption	$39,870 (-) Land $8,890 Building $30,980
2023	$1,838.00 (+13.53%) Homeowner's exemption	$39,870 (-) Land $8,890 Building $30,980	$113,900 (-) Land $25,400 Building $88,500
2022	$1,619.00 Homeowner's exemption	$39,870 Land $8,890 Building $30,980	$113,900 Land $25,400 Building $88,500

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

FEMA maps place 236 Oak St in Zone X, where a levee reduces flood risk.

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

The area around 236 Oak 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.

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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