403 Williams St, Troy, OH 45373 Property Records

Miami County property record for 403 Williams St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 956 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Nov 2022)
Tax Bill	$1,670 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-017610`

Property Details

APN / Parcel Number

Primary APN	`D08-017610`
Alternative APNs	`050627.3-09-001-00` `D08SE038 01700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	956 sqft Living Area
1st Floor Area	1,376 sqft
Upper Floors Area	268 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	139 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	403 WILLIAMS ST
City	TROY
State	OH
Zip	45373-3767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 1521 48
Legal Subdivision	EDGE & CRUIKSHANK ADD
Legal Lot Number	1521
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3017
Census Tract	365200

Owner

403 Williams St is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	403 WILLIAMS ST, TROY, OH 45373-3767
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
Nov 17, 2022	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Jun 10, 2022	Fiduciary Deed, Transfer
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2022 · Amount on File
Deed Sale	Nov 17, 2022 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	202216507
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 17, 2022
Property Address	403 WILLIAMS ST, TROY, OH 45373-3767
Document Number	0000016507
Instrument Date	Nov 10, 2022
Instrument	2022OR-16507
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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	403 WILLIAMS ST, TROY, OH 45373-3767

Mortgage

Document Number	0000016508
Date	Nov 17, 2022
Instrument	2022OR-16508

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 10, 2022
Property Address	403 WILLIAMS ST, TROY, OH 45373-3767
Document Number	0000009064
Instrument Date	Jun 8, 2022
Instrument	2022OR-09064
Transaction Type	Transfer
Record Updated	Jun 27, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 TROY URBANA RD, TROY, OH 45373-7833

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	403 WILLIAMS ST, TROY, OH 45373-3767
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015556
Date	Dec 19, 2018
Instrument	2018OR-15556

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 8, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 403 Williams St was $1,670 with a homeowner's exemption, up 49.5% 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
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	$1,670.00 (+49.51%) Homeowner's exemption	$47,990 (+74.45%) Land $7,980 Building $40,010	$137,100 Land $22,800 Building $114,300
2024	$1,117.00 (+0.63%) Homeowner's exemption	$27,510 (-) Land $8,330 Building $19,180
2023	$1,110.00 (+76.19%) Homeowner's exemption	$27,510 (-) Land $8,330 Building $19,180	$78,600 (-) Land $23,800 Building $54,800
2022	$630.00 Homeowner's exemption	$27,510 Land $8,330 Building $19,180	$78,600 Land $23,800 Building $54,800

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 403 Williams St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 403 Williams St has no burnable land within ember reach, so its wildfire risk is not rated.

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 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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