412 Troy St, Troy, OH 45373 Property Records

Miami County property record for 412 Troy St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 704 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Dec 2024)
Tax Bill	$210 (2025)
Deeds & Mortgages	Dec 2024 Transfer Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-027180`

Property Details

APN / Parcel Number

Primary APN	`D08-027180`
Alternative APNs	`011017.1-07-016-00` `D08NE024 00800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	704 sqft Living Area
1st Floor Area	704 sqft
Basement Area	534 sqft

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Porch
Porch Area	60 sqft
Canopy	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	D08NE024 00800
Street Address	412 TROY ST
City	TROY
State	OH
Zip	45373-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 2731 50X100 E END
Legal Lot Number	2731
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3007
Census Tract	365101

Owner

Source: Miami County records, as of March 5, 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 Record
Mailing Address	412 TROY ST, TROY, OH 45373-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2024	Transfer on Death Deed, Transfer
Dec 7, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2024 · Amount on Record
Deed Sale	Dec 6, 2024 · Amount on Record
Prior Sale	Dec 7, 2020 · Amount on Record
Deed Document Number	2024OR-12712
Record Updated	Sep 20, 2026

December 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 12, 2024
Property Address	412 TROY ST, TROY, OH 45373-2161
Document Number	0000013000
Instrument Date	Dec 11, 2024
Instrument	2024OR-13000
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	412 TROY ST, TROY, OH 45373-2161

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 7, 2020
Property Address	412 TROY ST, TROY, OH 45373-2161
Document Number	0000018330
Instrument Date	Dec 7, 2020
Instrument	2020OR-18330
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	412 TROY ST, TROY, OH 45373-2161

Mortgage

Document Number	0000018331
Date	Dec 7, 2020
Instrument	2020OR-18331

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$210.00 (-74.58%) Homeowner's exemption	$26,430 (+20.57%) Land $7,810 Building $18,620	$75,500 (+20.61%) Land $22,300 Building $53,200
2024	$826.00 (+2.23%) Homeowner's exemption	$21,920 (-) Land $8,440 Building $13,480
2023	$808.00 (+17.44%) Homeowner's exemption	$21,920 (-) Land $8,440 Building $13,480	$62,600 (-) Land $24,100 Building $38,500
2022	$688.00 Homeowner's exemption	$21,920 Land $8,440 Building $13,480	$62,600 Land $24,100 Building $38,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 526 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: Verizon, Watch TV.

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