422 Williams St, Troy, OH 45373 Property Records

Miami County property record for 422 Williams St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 964 sqft · built 1929
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$79,900 (May 2010)
Tax Bill	$1,892 (2025)
Deeds & Mortgages	Dec 2016 Mortgage Dec 2016 Loan Modification
Flood Zone	Zone X (reduced by levee)
APN	`D08-024820`

Property Details

APN / Parcel Number

Primary APN	`D08-024820`
Alternative APNs	`050627.3-08-007-00` `D08SE038 02300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	964 sqft Living Area
1st Floor Area	1,928 sqft
Basement Area	964 sqft
Unfinished Basement	964 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	120 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	422 WILLIAMS ST
City	TROY
State	OH
Zip	45373-3768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2428 48
Legal Lot Number	2428
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3016
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	Individual Name on Record
Mailing Address	422 WILLIAMS ST, TROY, OH 45373-3768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2016	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Dec 20, 2016	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2010 · Amount on Record
Deed Sale	May 27, 2010 · Amount on Record
Prior Sale	Dec 1, 1977
Record Updated	Oct 29, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	422 WILLIAMS ST, TROY, OH 45373-3768
Document Number	0000004256
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 WILLIAMS ST TROY OH 453733768, TROY, OH 45373-3768

Mortgage

Document Number	0000004256
Date	Apr 10, 2017
Instrument	4256

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	422 WILLIAMS ST, TROY, OH 45373-3768
Document Number	0000004255
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 WILLIAMS ST TROY OH 453733768, TROY, OH 45373-3768

Mortgage

Document Number	0000004255
Date	Apr 10, 2017
Instrument	4255

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

Interest

Rate	3.62%

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	$1,892.00 (+16.79%) Homeowner's exemption	$49,850 (+36.16%) Land $7,390 Building $42,460	$142,400 (+36.14%) Land $21,100 Building $121,300
2024	$1,620.00 (+10.05%) Homeowner's exemption	$36,610 (-) Land $7,700 Building $28,910
2023	$1,472.00 (+15.81%) Homeowner's exemption	$36,610 (-) Land $7,700 Building $28,910	$104,600 (-) Land $22,000 Building $82,600
2022	$1,271.00 Homeowner's exemption	$36,610 Land $7,700 Building $28,910	$104,600 Land $22,000 Building $82,600

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

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
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 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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