Miami County property record for 423 E Water St, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 784 sqft · built 1920 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,000 (Jun 2004) |
| Tax Bill | $1,230 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-006010 |
| Primary APN | D08-006010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 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 | Slab |
|---|---|
| Porch Area | 204 sqft |
| Deck Area | 128 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 423 E WATER ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-3442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 331 50 |
| Legal Lot Number | 331 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 365200 |
Source: Miami County records, 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 Record |
|---|---|
| Mailing Address | 423 E WATER ST, TROY, OH 45373-3442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2004 · Amount on Record |
| Deed Sale | Jun 1, 2004 · Amount on Record |
| Prior Sale | Aug 29, 2002 · Amount on Record |
| Last Transfer Date | Sep 25, 2012 |
| Transfer Doc | 0000015217 |
| Record Updated | Jun 8, 2026 |
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 | $1,230.00 (+23.74%) | $31,820 (+38.77%) Land $6,900 Building $24,920 | $90,900 (+38.78%) Land $19,700 Building $71,200 |
| 2024 | $994.00 (+8.04%) | $22,930 (-) Land $7,180 Building $15,750 | |
| 2023 | $920.00 (+15.72%) | $22,930 (-) Land $7,180 Building $15,750 | $65,500 (-) Land $20,500 Building $45,000 |
| 2022 | $795.00 | $22,930 Land $7,180 Building $15,750 | $65,500 Land $20,500 Building $45,000 |
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 · 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.
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.
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 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.
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