303 Troy St, Troy, OH 45373 Property Records

Miami County property record for 303 Troy St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1926
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (May 2023)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	May 2023 Sale Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-027080`

Property Details

APN / Parcel Number

Primary APN	`D08-027080`
Alternative APNs	`011017.1-01-010-00` `D08NE025 00600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	1,632 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	206 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	303 TROY ST
City	TROY
State	OH
Zip	45373-2158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2721 50
Legal Subdivision	TROY
Legal Lot Number	2721
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
Census Tract	365101

Owner

303 Troy St is owned and occupied by two individuals who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	303 TROY ST, TROY, OH 45373-2158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Survivorship Deed, Transfer NOT AVAILABLE, PK TITLE
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 19, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on File
Deed Sale	May 25, 2023 · Amount on File
Prior Sale	Mar 19, 2019 · Amount on File
Deed Document Number	20235518
Record Updated	Oct 29, 2026

May 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	May 25, 2023
Property Address	303 TROY ST, TROY, OH 45373-2158
Document Number	0000005518
Instrument Date	May 24, 2023
Instrument	2023OR-05518
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	NOT AVAILABLE, PK TITLE

Transaction

Amount	Amount 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	1162 EDGEWATER DR, TROY, OH 45373-7561

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	303 TROY ST, TROY, OH 45373-2158
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 TROY ST, TROY, OH 45373-2158

Mortgage

Document Number	0000019198
Date	Dec 21, 2020
Instrument	2020OR-19198

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jan 11, 2036

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 19, 2019
Property Address	303 TROY ST, TROY, OH 45373-2158
Document Number	0000002818
Instrument Date	Mar 18, 2019
Instrument	2019OR-02818
Transaction Type	Transfer
Record Updated	Feb 17, 2022

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
Address	303 TROY ST, TROY, OH 45373-2158

Mortgage

Document Number	0000002819
Date	Mar 19, 2019
Instrument	2019OR-02819

Lender

Name	UNITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 303 Troy St was $1,268, up 9.4% 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	$1,268.00 (+9.4%)	$37,420 (+24.28%) Land $8,580 Building $28,840	$106,900 Land $24,500 Building $82,400
2024	$1,159.00 (+4.41%)	$30,110 (-) Land $9,280 Building $20,830
2023	$1,110.00 (+17.46%) Homeowner's exemption	$30,110 (-) Land $9,280 Building $20,830	$86,000 (-) Land $26,500 Building $59,500
2022	$945.00 Homeowner's exemption	$30,110 Land $9,280 Building $20,830	$86,000 Land $26,500 Building $59,500

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 303 Troy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
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 303 Troy 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	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 526 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

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