Miami County property record for 385 E Ross St, Troy, OH 45373 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,587 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $239,900 (2026) |
| Tax Bill | $2,502.00 (2025) |
| Primary APN | D08-049230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,587 sqft Living Area |
| 1st Floor | 1,250 sqft 1st Floor |
| Upper Floors | 962 sqft Upper Floors |
| Family Room | Family Room |
| Stories | 2 Stories |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 125 ft x 70 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 300 sqft Garage |
| Deck Area | 300 sqft Deck |
| Patio Area | 216 sqft Patio |
| Porch Area | 72 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 385 E ROSS ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | IN LOT 5004 70 |
| Legal Subdivision | SOUTHVIEW ESTATES SUBDIVISION NO 4 |
| Legal Lot Number | 5004 |
| Jurisdiction | MIAMI OH |
| Minor Civil Division | CONCORD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 365302 |
Source: Miami County records · APN D08-049230
Assessment roll updated March 6, 2026 · Last verified July 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 | 385 W ROSS ST, TROY, OH 45373-3931 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE |
| Nov 21, 2025 | Sheriff's Deed, Foreclosure · Building or Construction Mortgage KIAVI FUNDING INC |
| Mar 15, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Sep 10, 2018 | Grant Deed, Transfer · Veterans Administration Mortgage PRIME LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on Record |
| Deed Sale | Apr 14, 2026 · Amount on Record |
| Prior Sale | Nov 21, 2025 · Amount on Record |
| Deed Doc Number | 20264343 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 14, 2026 |
| Property Address | 385 E ROSS ST, TROY, OH 45373 |
| Document Number | 0000004343 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.4343 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48,459.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 385 W ROSS ST, TROY, OH 45373-3931 |
| Document Number | 0000004344, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026.4344 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Nov 21, 2025 |
| Property Address | 385 E ROSS ST, TROY, OH 45373 |
| Document Number | 0000013572 |
| Instrument Date | Nov 07, 2025 |
| Instrument | 2025OR-13572 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 09, 2025 |
| Title Company | PCTITLE PROS INC, PCTITLE PROS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 35 COUNTRY PLACE CT, XENIA, OH 45385-8701 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013573 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025OR-13573 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 385 E ROSS ST, TROY, OH 45373 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004333 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021OR-04333 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Sep 10, 2018 |
| Property Address | 385 E ROSS ST, TROY, OH 45373 |
| Document Number | 0000011114 |
| Instrument Date | Sep 07, 2018 |
| Instrument | 11114 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $263.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 385 W ROSS ST TROY OH 453733931, TROY, OH 45373-3931 |
| Document Number | 11115 |
|---|---|
| Date | Sep 10, 2018 |
| Instrument | 11115 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 09, 2048 |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,502.00 (+20.64%) Homeowner's exemption | $68,120 (+26.12%) Land $10,540 Building $57,580 | $194,600 (+26.12%) Land $30,100 Building $164,500 |
| 2024 | $2,074.00 (+3.03%) Homeowner's exemption | $54,010 (-) Land $10,990 Building $43,020 | |
| 2023 | $2,013.00 (+17.31%) Homeowner's exemption | $54,010 (-) Land $10,990 Building $43,020 | $154,300 (-) Land $31,400 Building $122,900 |
| 2022 | $1,716.00 Homeowner's exemption | $54,010 Land $10,990 Building $43,020 | $154,300 Land $31,400 Building $122,900 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| 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; lenders make the official flood determination.
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