509 E Franklin St, Troy, OH 45373 Property Records

Miami County property record for 509 E Franklin St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,330 sqft · built 1887
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,500 (Dec 2020)
Tax Bill	$4,126 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-004370`

Property Details

APN / Parcel Number

Primary APN	`D08-004370`
Alternative APNs	`050627.2-11-007-00` `D08SE003 00200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area
1st Floor Area	2,330 sqft
Upper Floors Area	1,153 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,278 sqft (0.213 acres)
Lot Dimensions	160 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	387 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	509 E FRANKLIN ST
City	TROY
State	OH
Zip	45373-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 180 57.75
Legal Lot Number	180
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1021
Census Tract	365200

Owner

Source: Miami County records, as of July 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	509 E FRANKLIN ST, TROY, OH 45373-3610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 1, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	20202020OR-19401
Prior Transfer Date	Jan 6, 2015
Prior Transfer Doc	0000000195
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 30, 2021
Property Address	509 E FRANKLIN ST, TROY, OH 45373-3610
Document Number	0000022542
Instrument Date	Dec 15, 2021
Instrument	2021OR-22542
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	509 E FRANKLIN ST, TROY, OH 45373-3610

Mortgage

Document Number	0000022543
Date	Dec 30, 2021
Instrument	2021OR-22543

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 23, 2020
Property Address	509 E FRANKLIN ST, TROY, OH 45373-3610
Document Number	0000019401
Instrument Date	Dec 19, 2020
Instrument	2020OR-19401
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	509 E FRANKLIN ST, TROY, OH 45373-3610

Mortgage

Document Number	0000019402
Date	Dec 23, 2020
Instrument	2020OR-19402

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 1, 2019
Property Address	509 E FRANKLIN ST, TROY, OH 45373-3610
Document Number	0000008551
Instrument Date	Jul 30, 2019
Instrument	8551
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$76.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1234 W MAIN ST TROY OH 453732506, TROY, OH 45373-2506

Tax Assessment & Valuation

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	$4,126.00 (+24.2%) Homeowner's exemption	$124,390 (+41.3%) Land $9,380 Building $115,010	$355,400 (+41.31%) Land $26,800 Building $328,600
2024	$3,322.00 (+2.18%) Homeowner's exemption	$88,030 (-) Land $9,770 Building $78,260
2023	$3,251.00 (+17.45%) Homeowner's exemption	$88,030 (-) Land $9,770 Building $78,260	$251,500 (-) Land $27,900 Building $223,600
2022	$2,768.00 Homeowner's exemption	$88,030 Land $9,770 Building $78,260	$251,500 Land $27,900 Building $223,600

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

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–1990)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1990 · 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.

Wildfire

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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