Miami County property record for 3 E Water St, Troy, OH 45373
| Property Type | Commercial |
|---|---|
| Details | 2 bd · 1.5 ba · 2,788 sqft · built 1920 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Jul 2025) |
| Tax Bill | $2,155 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-000100 |
| Primary APN | D08-000100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,788 sqft Total Area |
| 1st Floor Area | 2,788 sqft |
| Upper Floors Area | 1,394 sqft |
| Basement Area | 348 sqft |
| Unfinished Basement | 348 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 78 ft deep x 48 ft wide |
| Porch | Slab |
| Porch Area | 323 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3 E WATER ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3434 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | IL 6 48.05 X 78 SW COR |
| Legal Subdivision | TROY |
| Legal Lot Number | 6 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 365200 |
Source: Miami County records, as of March 6, 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 | 220 MOREHEAD ST, TROY, OH 45373-3728 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2025 · Amount on Record |
| Deed Sale | Jul 3, 2025 · Amount on Record |
| Prior Sale | Sep 16, 2021 · Amount on Record |
| Deed Document Number | 20257326 |
| Prior Transfer Date | Sep 9, 2021 |
| Prior Transfer Doc | 0000016270 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 3, 2025 |
| Property Address | 3 E WATER ST, TROY, OH 45373-3434 |
| Document Number | 0000007326 |
| Map Reference | PL NO 122 VOL 4 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 2025OR-07326 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 MOREHEAD ST, TROY, OH 45373-3728 |
| Document Number | 0000007328 |
|---|---|
| Date | Jul 3, 2025 |
| Instrument | 2025OR-07328 |
| Name | ABBEY CU INC |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,155.00 (-8.84%) | $41,550 (+6.84%) Land $10,780 Building $30,770 | $118,700 (+6.84%) Land $30,800 Building $87,900 |
| 2024 | $2,364.00 (+3.96%) | $38,890 (-) Land $9,000 Building $29,890 | |
| 2023 | $2,274.00 (+8.49%) | $38,890 (-) Land $9,000 Building $29,890 | $111,100 (-) Land $25,700 Building $85,400 |
| 2022 | $2,096.00 | $38,890 Land $9,000 Building $29,890 | $111,100 Land $25,700 Building $85,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1981–1990) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 1990 · river or lake flooding |
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 96% of the US · lower than 81% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 184 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 |
May also be available: AT&T, Verizon, Watch TV.
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