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401 E Ross St, Troy, OH 45373 Property Records

Miami County property record for 401 E Ross St, Troy, OH 45373 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms1 Baths
Year BuiltBuilt 1961
Square Footage1,887 sqft Living Area
Lot Size8,712 sqft (0.2 acres)
OccupancyOwner Occupied
Last Sale$136,300 (2019)
Tax Bill$2,271.00 (2025)

Property Details

APN / Parcel Number

Primary APND08-049250
Alternative APNs
  • 050628.3-16-003-00
  • D08SW128 00300

Interior

Bedrooms4 Beds
Full Baths1 Baths
Partial Baths1 Partial Baths
Total Rooms7 Rooms
Building Area1,887 sqft Living Area
1st Floor1,850 sqft 1st Floor
Upper Floors962 sqft Upper Floors
Family RoomFamily Room
Stories2 Stories

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleBi-Level Style
Exterior MaterialAluminum/Vinyl Exterior
Construction TypeFrame Construction
Lot Area8,712 sqft (0.2 acres)
Depth X Width125 ft x 70 ft Depth x Width

Exterior Amenities

Shed1 Shed
Shed Area112 sqft Shed
Deck Area288 sqft Deck
Patio Area338 sqft Patio

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHVAC Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Street Address401 E ROSS ST
CityTROY
StateOH
Zip45373
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionIN LOT 5006 70
Legal SubdivisionSOUTHVIEW ESTATES
Legal Lot Number5006
JurisdictionMIAMI OH
Minor Civil DivisionCONCORD
Census Blockgroup2
Census Block2000
Census Tract365302

Owner

Source: Miami County records · APN D08-049250

Assessment roll updated March 6, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address401 W ROSS ST, TROY, OH 45373-3933
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIFTH THIRD BANK
Jul 19, 2019Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 19, 2019 · Amount on Record
Deed SaleJul 19, 2019 · Amount on Record
Prior SaleJul 01, 1986 · Amount on Record
Deed Doc Number20192019OR-07936
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIAMI OH
Recording DateJun 10, 2026
Property Address401 E ROSS ST, TROY, OH 45373
Document Number0000007077
Instrument DateMay 07, 2026
Instrument20267077
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 W ROSS ST, TROY, OH 45373-3933

Mortgage

Document Number0000007077,
DateJun 10, 2026
Instrument20267077
Lender
NameFIFTH THIRD BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 25, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

July 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMIAMI OH
Recording DateJul 19, 2019
Property Address401 E ROSS ST, TROY, OH 45373
Document Number0000007936
Instrument DateJul 18, 2019
Instrument7936
Transaction TypeTransfer
Record UpdatedAug 02, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$272.60
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address401 W ROSS ST TROY OH 453733933, TROY, OH 45373-3933

Mortgage

Document Number7937
DateJul 19, 2019
Instrument7937
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 18, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMiami County
County SubdivisionConcord Township
MunicipalityTroy City
Unified School DistrictTroy 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,271.00 (+31.58%) Homeowner's exemption$64,790 (+44.94%) Land $10,540 Building $54,250$185,100 (+44.95%) Land $30,100 Building $155,000
2024$1,726.00 (+3.29%) Homeowner's exemption$44,700 (-) Land $10,990 Building $33,710
2023$1,671.00 (+17.26%) Homeowner's exemption$44,700 (-) Land $10,990 Building $33,710$127,700 (-) Land $31,400 Building $96,300
2022$1,425.00 Homeowner's exemption$44,700 Land $10,990 Building $33,710$127,700 Land $31,400 Building $96,300

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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