440 Armand Dr, Troy, OH 45373 Property Records

Miami County property record for 440 Armand Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,479 sqft · built 1996
Lot Size	0.239 acres (10,411 sqft)
Owner	2 Individual Names on File
Last Sale	$246,500 (May 2022)
Tax Bill	$2,221 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-102264`

Property Details

APN / Parcel Number

Primary APN	`D08-102264`
Alternative APNs	`050629.1-07-022-00` `D08SW181 03700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,479 sqft Living Area
1st Floor Area	2,958 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	25 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	440 ARMAND DR
City	TROY
State	OH
Zip	45373-2790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8083 OAKMONT CREEK #3
Legal Subdivision	OAKMONT CREEK #3
Legal Lot Number	8083
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2005
Census Tract	365301

Owner

440 Armand Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 ARMAND DR, TROY, OH 45373-2790
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Mar 5, 2013 · Amount on File
Deed Document Number	20227181
Record Updated	Oct 29, 2026

May 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MIAMI OH
Recording Date	May 5, 2022
Property Address	440 ARMAND DR, TROY, OH 45373-2790
Document Number	0000007181
Map Reference	MB 17 PG 47&47A
Instrument Date	Apr 14, 2022
Instrument	2022OR-07181
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount 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
Relationship	Right of Survivorship
Address	440 ARMAND DR, TROY, OH 45373-2790

Mortgage

Document Number	0000007182
Date	May 5, 2022
Instrument	2022OR-07182

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 440 Armand Dr was $2,221 with a homeowner's exemption, down 10.2% 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	$2,221.00 (-10.19%) Homeowner's exemption	$66,960 (+2.14%) Land $15,540 Building $51,420	$191,300 Land $44,400 Building $146,900
2024	$2,473.00 (+2.23%) Homeowner's exemption	$65,560 (-) Land $16,240 Building $49,320
2023	$2,419.00 (+35.52%) Homeowner's exemption	$65,560 (-) Land $16,240 Building $49,320	$187,300 (-) Land $46,400 Building $140,900
2022	$1,785.00 Homeowner's exemption	$65,560 Land $16,240 Building $49,320	$187,300 Land $46,400 Building $140,900

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 440 Armand Dr 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

Wildfire risk around 440 Armand Dr is low, with less than a 0.01% annual chance of wildfire.

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.

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 251 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

May also be available: Watch TV.

Nearby Properties on Armand Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures