510 E Main St, Troy, OH 45373 Property Records

Miami County property record for 510 E Main St, Troy, OH 45373 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,374 sqft · built 1920
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$64,300 (Dec 1985)
Tax Bill	$3,029 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-004310`

Property Details

APN / Parcel Number

Primary APN	`D08-004310`
Alternative APNs	`050627.2-11-003-00` `D08SE003 00900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,374 sqft Living Area
1st Floor Area	3,052 sqft
Upper Floors Area	848 sqft
Basement Area	1,526 sqft
Unfinished Basement	1,526 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	161 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	395 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	510 E MAIN ST
City	TROY
State	OH
Zip	45373-3415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 175 57.75
Legal Subdivision	STATE OF OHIO
Legal Lot Number	175
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1021
Census Tract	365200

Owner

Source: Miami County records · APN D08-004310

Assessment roll updated March 6, 2026 · Last verified August 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 File
Mailing Address	510 E MAIN ST, TROY, OH 45373-3415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 05, 2023	Transfer on Death Deed, Transfer
Jul 09, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage GRAEF RICHARD J LIVING TR(RT)

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 01, 1985 · Amount on Record
Deed Sale	Dec 01, 1985 · Amount on Record
Last Transfer Date	Jul 07, 2023
Transfer Doc	0000007301
Record Updated	Sep 20, 2026

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 05, 2023
Property Address	510 E MAIN ST, TROY, OH 45373-3415
Document Number	0000000183
Instrument Date	Jan 05, 2023
Instrument	2023OR-00183
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 E MAIN ST, TROY, OH 45373-3415

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	510 E MAIN ST, TROY, OH 45373-3415
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008312
Date	Jul 09, 2018
Instrument	2018OR-08312

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2048

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	510 E MAIN ST, TROY, OH 45373-3415
Document Number	0000016072
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 12, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016072
Date	Dec 29, 2017
Instrument	16072

Lender

Name	GRAEF RICHARD J LIVING TR(RT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 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	$3,029.00 (+19.35%)	$89,150 (+35.69%) Land $9,380 Building $79,770	$254,700 (+35.7%) Land $26,800 Building $227,900
2024	$2,538.00 (+2.22%)	$65,700 (-) Land $9,770 Building $55,930
2023	$2,483.00 (+16.85%)	$65,700 (-) Land $9,770 Building $55,930	$187,700 (-) Land $27,900 Building $159,800
2022	$2,125.00	$65,700 Land $9,770 Building $55,930	$187,700 Land $27,900 Building $159,800

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 391093652001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

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; 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 506 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Benton Ridge Telephone Company, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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