409 E Water St, Troy, OH 45373 Property Records

Miami County property record for 409 E Water St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,086 sqft · built 1842
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,500 (Dec 1995)
Tax Bill	$1,430 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-005980`

Property Details

APN / Parcel Number

Primary APN	`D08-005980`
Alternative APNs	`050627.2-04-007-00` `D08NE006 00100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,086 sqft Living Area
1st Floor Area	1,452 sqft
Upper Floors Area	360 sqft
Basement Area	726 sqft
Unfinished Basement	726 sqft

Exterior

Year Built	Built 1842
Effective Year Built	Effective 1842
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 47 ft wide

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	144 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	409 E WATER ST
City	TROY
State	OH
Zip	45373-3442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 328 47
Legal Subdivision	CITY OF TROY
Legal Lot Number	328
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1004
Census Tract	365200

Owner

Source: Miami County records, as of July 28, 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 Record
Mailing Address	409 E WATER ST, TROY, OH 45373-3442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 31, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 1995 · Amount on Record
Deed Sale	Dec 29, 1995 · Amount on Record
Prior Sale	Jan 26, 1993 · Amount on Record
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	409 E WATER ST, TROY, OH 45373-3442
Transaction Type	Mortgage
Record Updated	Jun 19, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E WATER ST, TROY, OH 45373-3442

Mortgage

Document Number	0000005599
Date	May 30, 2023
Instrument	2023OR-05599

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2043

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	409 E WATER ST, TROY, OH 45373-3442
Transaction Type	Mortgage
Record Updated	Jun 19, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E WATER ST, TROY, OH 45373-3442

Mortgage

Document Number	0000005659
Date	May 31, 2023
Instrument	2023OR-05659

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,430.00 (+25.88%)	$41,830 (+43.45%) Land $6,650 Building $35,180	$119,500 (+43.46%) Land $19,000 Building $100,500
2024	$1,136.00 (+2.81%)	$29,160 (-) Land $6,930 Building $22,230
2023	$1,105.00 (+16.81%)	$29,160 (-) Land $6,930 Building $22,230	$83,300 (-) Land $19,800 Building $63,500
2022	$946.00	$29,160 Land $6,930 Building $22,230	$83,300 Land $19,800 Building $63,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–1990)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1990 · 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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 184 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

May also be available: AT&T, Verizon, Watch TV.

Nearby Properties on E Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures