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4640 Monroe Concord Rd, Troy, OH 45373 Property Records

Miami County property record for 4640 Monroe Concord Rd, Troy, OH 45373 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,266 sqft · built 1978
Lot Size4.75 acres (206,910 sqft)
OwnerOwner Name on File
Tax Bill$4,171 (2025)
Deeds & MortgagesMay 2023 Line of Credit
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNL32-022700

Property Details

APN / Parcel Number

Primary APNL32-022700
Alternative APNs
  • 000182 L32UN003 0300
  • 060511.0-01-007-00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area2,266 sqft Living Area
1st Floor Area2,266 sqft
Basement Area1,699 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Architectural StyleConventional
Exterior MaterialBrick
Lot Area206,910 sqft (4.75 acres)
Garage Area506 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area630 sqft
Patio Area270 sqft
Canopy150 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerSeptic
Water SourceWell

Location & Zoning

Old Parcel Number000182 L32UN003 0300
Street Address4640 MONROE CONCORD RD
CityTROY
StateOH
Zip45373-8200
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5-6-11 NW COR NW
Legal Range06
Legal Township05
Legal Section11
JurisdictionMIAMI OH
Township / Civil DivisionUNION
Census Block Group4
Census Block4008
Census Tract340100

Owner

Source: Miami County records · APN L32-022700

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 RecordOwner Name on File
Mailing Address4640 MONROE CONCORD RD, TROY, OH 45373-8200
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
May 04, 2023Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK NA
Sep 02, 2020Deed of Trust, Mortgage · Conventional Mortgage
THE CITIZENS NATIONAL BANK OF BLUFFTON

Assessor's Deed Record

Deed NamesVerified Name on Deed
Prior SaleJun 11, 2010
Last Transfer DateJun 30, 2010
Transfer Doc0000007561
Record UpdatedJun 08, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIAMI OH
Property Address4640 MONROE CONCORD RD, TROY, OH 45373-8200
Transaction TypeMortgage
Record UpdatedMay 19, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4640 MONROE CONCORD RD, TROY, OH 45373-8200

Mortgage

Document Number0000004650
DateMay 04, 2023
Instrument2023OR-04650
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueApr 25, 2053

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIAMI OH
Property Address4640 MONROE CONCORD RD, TROY, OH 45373-8200
Transaction TypeMortgage
Record UpdatedOct 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4640 MONROE CONCORD RD, TROY, OH 45373-8200

Mortgage

Document Number0000012458
DateSep 02, 2020
Instrument2020OR-12458
Lender
NameTHE CITIZENS NATIONAL BANK OF BLUFFTON
TypeBank
AddressBLUFFTON, OH 45817
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueOct 01, 2030

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateOhio
CountyMiami County
County SubdivisionUnion Township
Unified School DistrictMilton-Union Exempted Village 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,171.00 (+13.04%) Homeowner's exemption$138,260 (+30.54%) Land $26,920 Building $111,340$395,000 (+30.54%) Land $76,900 Building $318,100
2024$3,690.00 (+2.44%) Homeowner's exemption$105,910 (-) Land $24,430 Building $81,480
2023$3,602.00 (-3.51%) Homeowner's exemption$105,910 (-) Land $24,430 Building $81,480$302,600 (-) Land $69,800 Building $232,800
2022$3,733.00 Homeowner's exemption$105,910 Land $24,430 Building $81,480$302,600 Land $69,800 Building $232,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093401004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1980–2007)
Most Recent ClaimMar 2007, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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