405 Lake St, Troy, OH 45373 Property Records

Miami County property record for 405 Lake St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,161 sqft · built 1991
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on File
Last Sale	$168,000 (Apr 2026)
Tax Bill	$1,231 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-020490`

Property Details

APN / Parcel Number

Primary APN	`D08-020490`
Alternative APNs	`050628.2-11-010-00` `D08SW102 01000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,161 sqft Living Area
1st Floor Area	2,322 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	130 ft deep x 53 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	63 sqft
Patio Area	193 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	405 LAKE ST
City	TROY
State	OH
Zip	45373-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 1968 52.78
Legal Subdivision	TROY
Legal Lot Number	1968
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3006
Census Tract	365301

Owner

405 Lake St is owned by a company that acquired it in July 2026 and is owner-occupied.

Source: Miami County records, as of August 25, 2026

Owner of Record	Company Name on File
Mailing Address	780 DIANA DR, TROY, OH 45373-3802
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

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
Aug 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Apr 2, 2026	Fiduciary Deed, Transfer · Conventional Mortgage ABBEY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2026 · Amount on File
Deed Sale	Apr 2, 2026 · Amount on File
Prior Sale	Oct 3, 2000 · Amount on File
Deed Document Number	20263859
Last Transfer Date	Jul 15, 2026
Transfer Doc	0000010144
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 13, 2026
Property Address	405 LAKE ST, TROY, OH 45373-2723
Document Number	0000010144
Instrument Date	Jul 15, 2026
Instrument	202610144
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	780 DIANA DR, TROY, OH 45373-3802

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	405 LAKE ST, TROY, OH 45373-2723
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LAKE ST, TROY, OH 45373-2723
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009420
Date	Jun 16, 2022
Instrument	2022OR-09420

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Apr 25, 2052

April 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 2, 2026
Property Address	405 LAKE ST, TROY, OH 45373-2723
Document Number	0000003859
Instrument Date	Mar 31, 2026
Instrument	20263859
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,936.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	780 DIANA DR, TROY, OH 45373-3802

Mortgage

Document Number	0000003860,
Date	Apr 2, 2026
Instrument	20263860

Lender

Name	ABBEY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 405 Lake St was $1,231 with a homeowner's exemption, down 11.4% 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	$1,231.00 (-11.38%) Homeowner's exemption	$56,290 (+20.74%) Land $9,000 Building $47,290	$160,800 Land $25,700 Building $135,100
2024	$1,389.00 (+0.43%) Homeowner's exemption	$46,620 (-) Land $9,380 Building $37,240
2023	$1,383.00 (+16.22%) Homeowner's exemption	$46,620 (-) Land $9,380 Building $37,240	$133,200 (-) Land $26,800 Building $106,400
2022	$1,190.00 Homeowner's exemption	$46,620 Land $9,380 Building $37,240	$133,200 Land $26,800 Building $106,400

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 405 Lake 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

Wildfire risk around 405 Lake St 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 98% of the US · lower than 90% 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.

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 405 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
AT&T Fixed Wireless	100 / 20

May also be available: Imagine Networks, Verizon, Watch TV.

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