Miami County property record for 305 E Franklin St, Troy, OH 45373 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 3,354 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,480 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2021 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-003040 |
| Primary APN | D08-003040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,354 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| 2nd Floor Area | 1,194 sqft |
| Upper Floors Area | 1,194 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 160 ft deep x 42 ft wide |
| Garage Type | Detached |
| Garage Area | 1 sqft |
| Porch | Open Porch |
| Porch Area | 486 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | D08SE002 00200 |
|---|---|
| Street Address | 305 E FRANKLIN ST |
| City | TROY |
| State | OH |
| Zip | 45373-3509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 109 42 MID PT |
| Legal Lot Number | 109 42 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 365200 |
Source: Miami County records · APN D08-003040
Assessment roll updated January 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 E FRANKLIN ST, TROY, OH 45373-3509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 05, 2021 | Loan Modification, Mortgage · Conventional Mortgage RUSHMORE LN MGMT SVCS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2024 |
| Deed Sale | Jun 18, 2024 |
| Prior Sale | Aug 12, 2005 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 305 E FRANKLIN ST, TROY, OH 45373-3509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000002950 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 2024OR-02950 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | 3701 ARCO CORPORATE DR STE 200, CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 305 E FRANKLIN ST, TROY, OH 45373-3509 |
| Document Number | 0000003542 |
| Instrument Date | Jan 05, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 305 E FRANKLIN ST TROY OH 453733509, TROY, OH 45373-3509 |
| Document Number | 0000003542 |
|---|---|
| Date | Mar 03, 2021 |
| Instrument | 3542 |
| Name | RUSHMORE LN MGMT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | FARMERS BRANCH, TX 75234 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 02, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,480.00 (+49.16%) Homeowner's exemption | $101,010 (+63.5%) Land $7,840 Building $93,170 | $288,600 (+63.51%) Land $22,400 Building $266,200 |
| 2024 | $2,333.00 (+2.19%) Homeowner's exemption | $61,780 (-) Land $8,190 Building $53,590 | |
| 2023 | $2,283.00 (+17.44%) Homeowner's exemption | $61,780 (-) Land $8,190 Building $53,590 | $176,500 (-) Land $23,400 Building $153,100 |
| 2022 | $1,944.00 Homeowner's exemption | $61,780 Land $8,190 Building $53,590 | $176,500 Land $23,400 Building $153,100 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093652001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 2 (1981–1990) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 1990, river or lake flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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