2478 McKaig Rd, Troy, OH 45373 Property Records

Miami County property record for 2478 McKaig Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,776 sqft · built 1970
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Oct 2023)
Tax Bill	$3,685 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C06-064810`

Property Details

APN / Parcel Number

Primary APN	`C06-064810`
Alternative APNs	`050630.2-01-030-00` `C06CC030B02500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	2,352 sqft
Upper Floors Area	600 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	87,120 sqft (2 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	296 sqft
Shed	1 Shed
Shed Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2478 MCKAIG RD
City	TROY
State	OH
Zip	45373-8721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-30 NE COR NW
Legal Range	06
Legal Township	05
Legal Section	30
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1000
Census Tract	365301

Owner

2478 McKaig Rd is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2478 MCKAIG RD, TROY, OH 45373-8721
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on File
Deed Sale	Oct 20, 2023 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	202311680
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 20, 2023
Property Address	2478 MCKAIG RD, TROY, OH 45373-8721
Document Number	0000011680
Map Reference	VOL 20 PL 182
Instrument Date	Oct 18, 2023
Instrument	2023OR-11680
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	HOME SERVICES TITLE LLC

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	Joint Tenants with Right of Survivorship
Address	2478 MCKAIG RD, TROY, OH 45373-8721

Mortgage

Document Number	0000011681
Date	Oct 20, 2023
Instrument	2023OR-11681

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2478 McKaig Rd was $3,685 with a homeowner's exemption, up 10.3% 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
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,685.00 (+10.3%) Homeowner's exemption	$106,790 (+24.43%) Land $21,980 Building $84,810	$305,100 Land $62,800 Building $242,300
2024	$3,341.00 (+14.22%) Homeowner's exemption	$85,820 (-) Land $20,020 Building $65,800
2023	$2,925.00 (+16.35%) Homeowner's exemption	$85,820 (-) Land $20,020 Building $65,800	$245,200 (-) Land $57,200 Building $188,000
2022	$2,514.00 Homeowner's exemption	$85,820 Land $20,020 Building $65,800	$245,200 Land $57,200 Building $188,000

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 2478 McKaig Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 2478 McKaig Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20