405 E Franklin St, Troy, OH 45373 Property Records

Miami County property record for 405 E Franklin St, Troy, OH 45373 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1920
Square Footage	1,310 sqft Living Area
Lot Size	3,049 sqft (0.069 acres)
Garage	Detached, 238 sqft
Occupancy	Owner Occupied
Tax Bill	$1,565.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`D08-002970`
Alternative APNs	`050627.2-10-011-00` `D08SE003 02300`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	1,310 sqft Living Area
1st Floor	728 sqft 1st Floor
2nd Floor	582 sqft 2nd Floor
Upper Floors	582 sqft Upper Floors
Basement Area	728 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 1920
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	3,049 sqft (0.069 acres)
Depth X Width	80 ft x 40 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	238 sqft Garage
Porch	Enclosed Porch
Porch Area	280 sqft Porch

Utilities and HVAC

Cooling System	None Cooling
Heating System	HVAC Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number	D08SE003 02300
Street Address	405 E FRANKLIN ST
City	TROY
State	OH
Zip	45373-3608
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 107 40X80 SE COR
Legal Lot Number	107
Jurisdiction	MIAMI OH
Minor Civil Division	CONCORD
Census Blockgroup	1
Census Block	1020
Census Tract	365200

Owner

Source: Miami County records · APN D08-002970

Assessment roll updated January 1, 2025 · Last verified March 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
Co-owner	Verified Secondary Owner
Mailing Address	405 E FRANKLIN ST, TROY, OH 45373-3608
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Prior Sale	Nov 03, 2009 · Amount on Record
Last Transfer Date	Mar 26, 2024
Transfer Doc	0000002983
Record Refreshed	Jun 08, 2026

March 2024: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 26, 2024
Property Address	405 E FRANKLIN ST, TROY, OH 45373-3608
Document Number	0000002983
Instrument Date	Mar 25, 2024
Instrument	2024OR-02983
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	405 E FRANKLIN ST, TROY, OH 45373-3608

Mortgage

Document Number	0000002984
Date	Mar 26, 2024
Instrument	2024OR-02984

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	11.2%

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,565.00 (+33.65%) Homeowner's exemption	$45,400 (+46.55%) Land $5,500 Building $39,900	$129,700 (+46.55%) Land $15,700 Building $114,000
2024	$1,171.00 (+2.27%) Homeowner's exemption	$30,980 (-) Land $5,740 Building $25,240
2023	$1,145.00 (+17.44%) Homeowner's exemption	$30,980 (-) Land $5,740 Building $25,240	$88,500 (-) Land $16,400 Building $72,100
2022	$975.00 Homeowner's exemption	$30,980 Land $5,740 Building $25,240	$88,500 Land $16,400 Building $72,100

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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.