432 E Canal St, Troy, OH 45373 Property Records

Miami County property record for 432 E Canal St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 2003
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Tax Bill	$1,762 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-007380`

Property Details

APN / Parcel Number

Primary APN	`D08-007380`
Alternative APNs	`050627.2-25-002-00` `D08SE017 00700`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Upper Floors Area	672 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	81 ft deep x 40 ft wide
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	432 E CANAL ST
City	TROY
State	OH
Zip	45373-3617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 458 40 N END
Legal Subdivision	PROFESSIONAL SURVEYOR 4370
Legal Lot Number	458
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2009
Census Tract	365200

Owner

432 E Canal St is owned and occupied by an individual who acquired it in March 2021.

Source: Miami County records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	432 E CANAL ST, TROY, OH 45373-3617
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Warranty Deed, Transfer · FHA Mortgage WRIGHT-PATT CREDIT UNION INC
Jul 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 24, 2019	Warranty Deed, Transfer WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2021
Deed Sale	Mar 22, 2021
Prior Sale	Jul 24, 2019 · Amount on File
Deed Document Number	20214754
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 22, 2021
Property Address	432 E CANAL ST, TROY, OH 45373-3617
Document Number	0000004754
Map Reference	VOL 24 PG 127
Instrument Date	Mar 12, 2021
Instrument	2021OR-04754
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount on Record
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	432 E CANAL ST, TROY, OH 45373-3617

Mortgage

Document Number	0000004755
Date	Mar 22, 2021
Instrument	2021OR-04755

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 24, 2019
Property Address	432 E CANAL ST, TROY, OH 45373-3617
Document Number	0000008112
Instrument Date	Jul 11, 2019
Instrument	8112
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$94.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E CANAL ST TROY OH 453733617, TROY, OH 45373-3617

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 24, 2019
Property Address	432 E CANAL ST, TROY, OH 45373-3617
Document Number	0000008113
Instrument Date	Apr 27, 2019
Instrument	8113
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$94.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	432 E CANAL ST TROY OH 453733617, TROY, OH 45373-3617

Mortgage

Document Number	8114
Date	Jul 24, 2019
Instrument	8114

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 432 E Canal St was $1,762 with a homeowner's exemption, up 43.8% from the year before.

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	$1,762.00 (+43.84%) Homeowner's exemption	$53,130 (+63.73%) Land $4,550 Building $48,580	$151,800 Land $13,000 Building $138,800
2024	$1,225.00 (+2.25%) Homeowner's exemption	$32,450 (-) Land $3,780 Building $28,670
2023	$1,198.00 (+17.45%) Homeowner's exemption	$32,450 (-) Land $3,780 Building $28,670	$92,700 (-) Land $10,800 Building $81,900
2022	$1,020.00 Homeowner's exemption	$32,450 Land $3,780 Building $28,670	$92,700 Land $10,800 Building $81,900

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

FEMA maps place 432 E Canal St in Zone X, an area of minimal flood risk.

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

The area around 432 E Canal St has no burnable land within ember reach, so its wildfire risk is not rated.

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	MIAMI CO-CAMP TROY PWS private · serves 3,813 people · EPA ID OH5502503
Water Source	Purchased groundwater from TROY CITY PWS
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

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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