Miami County property record for 439 N Elm St, Troy, OH 45373
| Property Type | Commercial |
|---|---|
| Details | 6,731 sqft · built 1946 |
| Lot Size | 0.66 acres (28,793 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,635 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | D08-091320 |
| Primary APN | D08-091320 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 6,731 sqft Total Area |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2016 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 28,793 sqft (0.66 acres) |
| Terrain | Below Road/Slope |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 439 N ELM ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-2858 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | OUT LOT 67 BOAT HOUSE (SPLIT EXEMPTION - EXEMPT PARCEL D08-251010) |
| Legal Lot Number | 67 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 365002 |
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 | 439 ELM TREASURE ISLAND ST, TROY, OH 45373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1990 |
| Deed Sale | Jan 1, 1990 |
| Record Updated | Jun 8, 2026 |
Source: Miami County assessment roll, as of January 1, 2025
| 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 | $10,635.00 (-2.46%) | $211,190 (+14.71%) Land $14,700 Building $196,490 | $603,400 (+14.71%) Land $42,000 Building $561,400 |
| 2024 | $10,903.00 (+2.68%) | $184,100 (-) Land $3,080 Building $181,020 | |
| 2023 | $10,618.00 (+10.64%) | $184,100 (+1.88%) Land $3,080 Building $181,020 | $526,000 (+1.88%) Land $8,800 Building $517,200 |
| 2022 | $9,597.00 | $180,710 Land $3,080 Building $177,630 | $516,300 Land $8,800 Building $507,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Dec 2013 · 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 99.1% of the US · lower than 96% 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 141 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 | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon, Watch TV.
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