397 E Ross St, Troy, OH 45373 Property Records

Miami County property record for 397 E Ross St, Troy, OH 45373 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1961
Square Footage	1,387 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$155,000 (2021)
Tax Bill	$2,150.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`D08-049240`
Alternative APNs	`050628.3-16-004-00` `D08SW128 00400`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	1,387 sqft Living Area
1st Floor	1,850 sqft 1st Floor
Upper Floors	962 sqft Upper Floors
Stories	2 Stories

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
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	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	768 sqft Garage
Deck Area	200 sqft Deck
Patio Area	200 sqft Patio

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	397 E ROSS ST
City	TROY
State	OH
Zip	45373
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 5005 70
Legal Subdivision	SOUTHVIEW ESTATE SUBDIVISION NUMBER 4
Legal Lot Number	5005
Jurisdiction	MIAMI OH
Minor Civil Division	CONCORD
Census Blockgroup	2
Census Block	2000
Census Tract	365302

Owner

Source: Miami County records · APN D08-049240

Assessment roll updated March 6, 2026 · Last verified April 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	397 E ROSS ST, TROY, OH 45373
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Prior Sale	Jun 17, 2021
Deed Doc Number	20212021OR-10726
Record Refreshed	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 17, 2021
Property Address	397 E ROSS ST, TROY, OH 45373
Document Number	0000010726
Map Reference	MB 8 PG 24
Instrument Date	Jun 10, 2021
Instrument	2021OR-10726
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 E ROSS ST, TROY, OH 45373

Mortgage

Document Number	0000010727
Date	Jun 17, 2021
Instrument	2021OR-10727

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified April 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

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	$2,150.00 (+39.79%) Homeowner's exemption	$61,360 (+54.17%) Land $10,540 Building $50,820	$175,300 (+54.18%) Land $30,100 Building $145,200
2024	$1,538.00 (+3.36%) Homeowner's exemption	$39,800 (-) Land $10,990 Building $28,810
2023	$1,488.00 (+17.17%) Homeowner's exemption	$39,800 (-) Land $10,990 Building $28,810	$113,700 (-) Land $31,400 Building $82,300
2022	$1,270.00 Homeowner's exemption	$39,800 Land $10,990 Building $28,810	$113,700 Land $31,400 Building $82,300

Flood & Wildfire

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

Flood

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

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.