320 Williams St, Troy, OH 45373 Property Records

Miami County property record for 320 Williams St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1938
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$65,900 (Oct 2020)
Tax Bill	$1,881 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`D08-024750`

Property Details

APN / Parcel Number

Primary APN	`D08-024750`
Alternative APNs	`050627.3-03-006-00` `D08SE025 00200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	1,752 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	120 ft deep x 42 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	320 WILLIAMS ST
City	TROY
State	OH
Zip	45373-3766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2421 42
Legal Subdivision	CITY OF TROY
Legal Lot Number	2421
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3013
Census Tract	365200

Owner

Source: Miami County records, as of August 17, 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 Record
Mailing Address	320 WILLIAMS ST, TROY, OH 45373-3766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION
Apr 22, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Oct 22, 2020	Warranty Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Apr 19, 2007 · Amount on Record
Deed Document Number	20202020OR-15491
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Aug 6, 2026
Property Address	320 WILLIAMS ST, TROY, OH 45373-3766
Document Number	0000009856
Instrument Date	Jul 21, 2026
Instrument	20269856
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 WILLIAMS ST, TROY, OH 45373-3766

Mortgage

Document Number	0000009856,
Date	Aug 6, 2026
Instrument	20269856

Lender

Name	WRIGHT-PATT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 25, 2051

Interest

Rate	6.49%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	320 WILLIAMS ST, TROY, OH 45373-3766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004025
Date	Apr 22, 2019
Instrument	2019OR-04025

Lender

Name	PNC BANK NA
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 22, 2020
Property Address	320 WILLIAMS ST, TROY, OH 45373-3766
Document Number	0000015491
Instrument Date	Sep 24, 2020
Instrument	2020OR-15491
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
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	320 WILLIAMS ST, TROY, OH 45373-3766

Mortgage

Document Number	0000015492
Date	Oct 22, 2020
Instrument	2020OR-15492

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$1,881.00 (+19.89%) Homeowner's exemption	$48,940 (+40.79%) Land $6,900 Building $42,040	$139,800 (+40.79%) Land $19,700 Building $120,100
2024	$1,569.00 (+10.96%) Homeowner's exemption	$34,760 (-) Land $7,180 Building $27,580
2023	$1,414.00 (+15.62%) Homeowner's exemption	$34,760 (-) Land $7,180 Building $27,580	$99,300 (-) Land $20,500 Building $78,800
2022	$1,223.00 Homeowner's exemption	$34,760 Land $7,180 Building $27,580	$99,300 Land $20,500 Building $78,800

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

Flood

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

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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