239 Oak St, Troy, OH 45373 Property Records

Miami County property record for 239 Oak St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$77,700 (Oct 2025)
Tax Bill	$2,431 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Foreclosure + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`D08-023020`

Property Details

APN / Parcel Number

Primary APN	`D08-023020`
Alternative APNs	`050627.2-27-014-00` `D08SE019 01800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	159 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	269 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	239 OAK ST
City	TROY
State	OH
Zip	45373-3644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 2275 37.7
Legal Subdivision	TROY
Legal Lot Number	2275
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3003
Census Tract	365200

Owner

Source: Miami County records, as of July 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1490 S FOREST HILL RD, TROY, OH 45373-9478
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage RFLF 5 LLC
Oct 30, 2025	Sheriff's Deed, Foreclosure
Feb 24, 2023	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Sep 10, 1991 · Amount on Record
Deed Document Number	202512609
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Jun 26, 2026
Property Address	239 OAK ST, TROY, OH 45373-3644
Document Number	0000007862
Instrument Date	May 21, 2026
Instrument	20267862
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1490 S FOREST HILL RD, TROY, OH 45373-9478

Mortgage

Document Number	0000007862,
Date	Jun 26, 2026
Instrument	20267862

Lender

Name	RFLF 5 LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 30, 2025
Property Address	239 OAK ST, TROY, OH 45373-3644
Document Number	0000012609
Instrument Date	Oct 7, 2025
Instrument	2025OR-12609
Transaction Type	Foreclosure
Record Updated	Nov 12, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1490 S FOREST HILL RD, TROY, OH 45373-9478

February 2023: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	MIAMI OH
Recording Date	Feb 24, 2023
Property Address	239 OAK ST, TROY, OH 45373-3644
Document Number	0000001977
Instrument Date	Feb 10, 2023
Instrument	2023OR-01977
Transaction Type	Transfer
Record Updated	Mar 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 OAK ST, TROY, OH 45373-3644

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	$2,431.00 (+57.86%) Homeowner's exemption	$44,350 (+36.25%) Land $7,280 Building $37,070	$126,700 (+36.24%) Land $20,800 Building $105,900
2024	$1,540.00 (+18.19%) Homeowner's exemption	$32,550 (-) Land $7,560 Building $24,990
2023	$1,303.00 (+15.82%) Homeowner's exemption	$32,550 (-) Land $7,560 Building $24,990	$93,000 (-) Land $21,600 Building $71,400
2022	$1,125.00 Homeowner's exemption	$32,550 Land $7,560 Building $24,990	$93,000 Land $21,600 Building $71,400

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	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 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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