307 Troy St, Troy, OH 45373 Property Records

Miami County property record for 307 Troy St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,400 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Dec 2009)
Tax Bill	$1,527 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-027100`

Property Details

APN / Parcel Number

Primary APN	`D08-027100`
Alternative APNs	`011017.1-01-012-00` `D08NE026 00100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,636 sqft
Upper Floors Area	582 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	182 sqft
Deck Area	168 sqft
Patio Area	66 sqft
Canopy	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	307 TROY ST
City	TROY
State	OH
Zip	45373-2158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2723 50
Legal Lot Number	2723
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
Census Tract	365101

Owner

307 Troy St is owned and occupied by an individual who bought it in December 2009.

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

Owner of Record	Individual Name on File
Mailing Address	307 TROY ST, TROY, OH 45373-2158
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

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 11, 2019	Deed of Trust, Mortgage · Line of Credit HEARTLAND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2009 · Amount on File
Deed Sale	Dec 7, 2009 · Amount on File
Prior Sale	Jan 1, 1990
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	307 TROY ST, TROY, OH 45373-2158
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001790
Date	Feb 2, 2022
Instrument	2022OR-01790

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	307 TROY ST, TROY, OH 45373-2158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011998
Date	Oct 11, 2019
Instrument	2019OR-11998

Lender

Name	HEARTLAND FCU
Type	Credit Union
Address	DAYTON, OH 45439

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 10, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 307 Troy St was $1,527 with a homeowner's exemption, up 9.5% 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	$1,527.00 (+9.54%) Homeowner's exemption	$46,100 (+24.59%) Land $8,820 Building $37,280	$131,700 Land $25,200 Building $106,500
2024	$1,394.00 (+2.2%) Homeowner's exemption	$37,000 (-) Land $9,560 Building $27,440
2023	$1,364.00 (+17.48%) Homeowner's exemption	$37,000 (-) Land $9,560 Building $27,440	$105,700 (-) Land $27,300 Building $78,400
2022	$1,161.00 Homeowner's exemption	$37,000 Land $9,560 Building $27,440	$105,700 Land $27,300 Building $78,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 307 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 307 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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