432 E Main St, Troy, OH 45373 Property Records

Miami County property record for 432 E Main St, Troy, OH 45373 · Last verified March 2026

Property Highlights

Property Type	Commercial > Retail
Year Built	Built 1888
Square Footage	4,662 sqft Total Area
Lot Size	5,793 sqft (0.132 acres)
Occupancy	Owner Occupied
Tax Bill	$1,632.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`D08-002900`
Alternative APNs	`050627.2-10-001-00` `D08SE003 01500`

Interior

Building Area	4,662 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1888
Fire Resistance Class	Buildings having wood or wood and steel frames.
Lot Area	5,793 sqft (0.132 acres)
Depth X Width	164 ft x 32 ft Depth x Width
Shed	1 Shed
Shed Area	352 sqft Shed

Utilities and HVAC

Heating System	Forced Air Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number	D08SE003 01500
Street Address	432 E MAIN ST
City	TROY
State	OH
Zip	45373-3413
Property Usage	Commercial Property Usage
Type	Commercial > Retail
Legal Description	IN LOT 104 27 E PT
Legal Subdivision	TROY
Legal Lot Number	104 27
Jurisdiction	MIAMI OH
Minor Civil Division	CONCORD
Census Blockgroup	1
Census Block	1020
Census Tract	365200

Owner

Source: Miami County records · APN D08-002900

Assessment roll updated January 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	432 E MAIN ST, TROY, OH 45373-3413
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Prior Sale	Jul 14, 2003 · Amount on Record
Last Transfer Date	Dec 14, 2023
Transfer Doc	0000013722
Record Refreshed	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	432 E MAIN ST, TROY, OH 45373-3413
Document Number	0000010929
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E EDGEWOOD ST SIDNEY OH 453651624, SIDNEY, OH 45365-1624

Mortgage

Document Number	0000010929
Date	Sep 05, 2018
Instrument	10929

Lender

Name	MUTUAL FED'L
Address	SIDNEY, OH 45365-4217

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Sep 04, 2025

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,632.00 (+3.68%)	$32,660 (+21.96%) Land $6,200 Building $26,460	$93,300 (+21.96%) Land $17,700 Building $75,600
2024	$1,574.00 (+2.14%)	$26,780 (-) Land $5,150 Building $21,630
2023	$1,541.00 (+8.67%)	$26,780 (-) Land $5,150 Building $21,630	$76,500 (-) Land $14,700 Building $61,800
2022	$1,418.00	$26,780 Land $5,150 Building $21,630	$76,500 Land $14,700 Building $61,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.