401 Swailes Rd, Troy, OH 45373 Property Records

Miami County property record for 401 Swailes Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,531 sqft · built 1939
Lot Size	6.86 acres (299,083 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,268 (2025)
Deeds & Mortgages	Apr 2022 Sale Aug 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C06-052600`

Property Details

APN / Parcel Number

Primary APN	`C06-052600`
Alternative APNs	`050633.3-01-052-00` `C06CC033C01600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,531 sqft Living Area
1st Floor Area	1,988 sqft
Upper Floors Area	537 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	299,083 sqft (6.86 acres)
Garage Type	Detached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	401 SWAILES RD
City	TROY
State	OH
Zip	45373-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-33 SE PT SW
Legal Range	06
Legal Township	05
Legal Section	33
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3000
Census Tract	365302

Owner

401 Swailes Rd is owned and occupied by two individuals who acquired it in January 1990.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 SWAILES RD, TROY, OH 45373-4331
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Warranty Deed, Transfer
Aug 15, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK OF WESTERN OHIO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 1990
Deed Sale	Jan 11, 1990
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 25, 2022
Property Address	401 SWAILES RD, TROY, OH 45373-4331
Document Number	0000006538
Instrument Date	Apr 21, 2022
Instrument	2022OR-06538
Transaction Type	Transfer
Record Updated	May 19, 2022

Transaction

Amount	Amount 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	421 SWAILES RD, TROY, OH 45373-4331
Investor	Possibly a Property Investor

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	401 SWAILES RD, TROY, OH 45373-4331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010024
Date	Aug 15, 2017
Instrument	2017OR-10024

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 401 Swailes Rd was $3,268, down 3.9% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,268.00 (-3.85%)	$92,930 (+8.59%) Land $39,760 Building $53,170	$265,500 Land $113,600 Building $151,900
2024	$3,399.00 (+2.07%)	$85,580 (-) Land $39,270 Building $46,310
2023	$3,330.00 (+18.67%) Homeowner's exemption	$85,580 (-) Land $39,270 Building $46,310	$244,500 (-) Land $112,200 Building $132,300
2022	$2,806.00 Homeowner's exemption	$85,580 Land $39,270 Building $46,310	$244,500 Land $112,200 Building $132,300

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.

Flood

FEMA maps place 401 Swailes Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (2008–2014)
Most Recent Claim	May 2014 · river or lake flooding

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

Wildfire risk around 401 Swailes Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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