38 Smith St, Troy, OH 45373 Property Records

Miami County property record for 38 Smith St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$19,000 (Jun 1985)
Tax Bill	$893 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`D08-025710`

Property Details

APN / Parcel Number

Primary APN	`D08-025710`
Alternative APNs	`050628.4-11-019-00` `D08SW122 00900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	130 ft deep x 47 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	38 SMITH ST
City	TROY
State	OH
Zip	45373-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2518 47
Legal Lot Number	2518
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2005
Census Tract	365302

Owner

Source: Miami County records, as of July 28, 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	38 SMITH ST, TROY, OH 45373-3936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Dec 27, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 1985 · Amount on Record
Deed Sale	Jun 1, 1985 · Amount on Record
Last Transfer Date	Dec 2, 2021
Transfer Doc	0000022290
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	38 SMITH ST, TROY, OH 45373-3936
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008492
Date	Aug 7, 2023
Instrument	2023OR-08492

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2038

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	Dec 27, 2021
Property Address	38 SMITH ST, TROY, OH 45373-3936
Document Number	0000022290
Instrument Date	Dec 2, 2021
Instrument	2021OR-22290
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SMITH ST, TROY, OH 45373-3936

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	$893.00 (+19.39%) Homeowner's exemption	$25,590 (+37.14%) Land $7,770 Building $17,820	$73,100 (+37.15%) Land $22,200 Building $50,900
2024	$748.00 (+5.2%) Homeowner's exemption	$18,660 (-) Land $8,160 Building $10,500
2023	$711.00 (+16.75%) Homeowner's exemption	$18,660 (-) Land $8,160 Building $10,500	$53,300 (-) Land $23,300 Building $30,000
2022	$609.00 Homeowner's exemption	$18,660 Land $8,160 Building $10,500	$53,300 Land $23,300 Building $30,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	13 (1983–2014)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2014 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 3 claims Severe Storms And Flooding, Aug 1995 · 2 claims

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.

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	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 412 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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