Miami County property record for 2644 Shady Tree Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,988 sqft · built 2010 |
| Lot Size | 0.534 acres (23,261 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $49,900 (Feb 2010) |
| Tax Bill | $5,642 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-105932 |
| Primary APN | D08-105932 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,988 sqft Living Area |
| 1st Floor Area | 3,444 sqft |
| Upper Floors Area | 1,266 sqft |
| Basement Area | 1,722 sqft |
| Unfinished Basement | 1,722 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 23,261 sqft (0.534 acres) |
| Garage Area | 1,267 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 177 sqft |
| Patio Area | 425 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 2644 SHADY TREE DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-7619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 10269 EDGEWATER #6 |
| Legal Subdivision | EDGEWATER #6 |
| Legal Lot Number | 10269 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 365301 |
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 | 2644 SHADY TREE DR, TROY, OH 45373-7619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jan 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2010 · Amount on Record |
| Deed Sale | Feb 1, 2010 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2644 SHADY TREE DR, TROY, OH 45373-7619 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2644 SHADY TREE DR, TROY, OH 45373-7619 |
| Document Number | 0000019325 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021OR-19325 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 19, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2644 SHADY TREE DR, TROY, OH 45373-7619 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001123 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 2021OR-01123 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2644 SHADY TREE DR, TROY, OH 45373-7619 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | BROWNSVILLE |
| Document Number | 0000000241 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 2020OR-00241 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,642.00 (+8.02%) Homeowner's exemption | $169,760 (+22.82%) Land $23,490 Building $146,270 | $485,000 (+22.82%) Land $67,100 Building $417,900 |
| 2024 | $5,223.00 (+2.21%) Homeowner's exemption | $138,220 (-) Land $23,490 Building $114,730 | |
| 2023 | $5,110.00 (+17.42%) Homeowner's exemption | $138,220 (-) Land $23,490 Building $114,730 | $394,900 (-) Land $67,100 Building $327,800 |
| 2022 | $4,352.00 Homeowner's exemption | $138,220 Land $23,490 Building $114,730 | $394,900 Land $67,100 Building $327,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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