Miami County property record for 405 Summit Ave, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,728 sqft · built 1932 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,000 (Aug 2021) |
| Tax Bill | $2,156 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-021180 |
| Primary APN | D08-021180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 1,920 sqft |
| Upper Floors Area | 768 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 130 ft deep x 53 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 252 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 405 SUMMIT AVE |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 2036 52.75 |
| Legal Subdivision | PARK PLAT |
| Legal Lot Number | 2036 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 365301 |
Source: Miami County assessment roll, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Oct 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK |
| Aug 11, 2021 | Warranty Deed, Transfer · VA Mortgage WESTERN OHIO MORTGAGE CORP |
| Aug 4, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Sep 13, 2017 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on Record |
| Deed Sale | Aug 11, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 20212021OR-13957 |
| Prior Transfer Date | Jul 30, 2021 |
| Prior Transfer Doc | 0000013563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 23, 2026 |
| Property Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000009147 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20269147 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000009147, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 20269147 |
| Name | KEYBANK USA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000015135 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020OR-15135 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Sep 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 11, 2021 |
| Property Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000013957 |
| Map Reference | MB 2 PG 168 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021OR-13957 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000013958 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 2021OR-13958 |
| Name | WESTERN OHIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 4, 2021 |
| Property Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000013563 |
| Map Reference | MB 2 PG 168 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021OR-13563 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Sep 13, 2017 |
| Property Address | 405 SUMMIT AVE, TROY, OH 45373-3045 |
| Document Number | 0000011261 |
| Map Reference | PL 2 PG 168 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 2017OR-11261 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $248.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000011262 |
|---|---|
| Date | Sep 13, 2017 |
| Instrument | 2017OR-11262 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,156.00 (+10.39%) Homeowner's exemption | $65,000 (+25.56%) Land $9,000 Building $56,000 | $185,700 (+25.56%) Land $25,700 Building $160,000 |
| 2024 | $1,953.00 (+2.2%) Homeowner's exemption | $51,770 (-) Land $9,380 Building $42,390 | |
| 2023 | $1,911.00 (+17.46%) Homeowner's exemption | $51,770 (-) Land $9,380 Building $42,390 | $147,900 (-) Land $26,800 Building $121,100 |
| 2022 | $1,627.00 Homeowner's exemption | $51,770 Land $9,380 Building $42,390 | $147,900 Land $26,800 Building $121,100 |
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.
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.
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 |
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 |
| 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.
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 Holdings 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: Benton Ridge Telephone Company, Imagine Networks, Verizon.
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