Miami County property record for 520 Gaier Dr, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,053 sqft · built 1967 |
| Lot Size | 0.79 acres (34,412 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,300 (May 2008) |
| Tax Bill | $2,812 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | K30-047523 |
| Primary APN | K30-047523 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,053 sqft Living Area |
| 1st Floor Area | 4,106 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 34,412 sqft (0.79 acres) |
| Lot Dimensions | 234 ft deep x 137 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | 275 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 520 GAIER DR |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 10-1-11 LOT 25 WOODCLIFFE HEIGHTS |
| Legal Range | 10 |
| Legal Township | 01 |
| Legal Section | 11 |
| Legal Subdivision | WOODCLIFFE HEIGHTS |
| Legal Lot Number | 25 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | STAUNTON |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 365102 |
520 Gaier Dr is owned and occupied by two individuals who bought it in May 2008.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 GAIER DR, TROY, OH 45373-2002 |
| 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.
| Date | Document |
|---|---|
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHTPATT CREDIT UNION INC |
| May 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC |
| Sep 21, 2018 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2008 · Amount on File |
| Deed Sale | May 1, 2008 · Amount on File |
| Prior Sale | Oct 5, 2006 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jun 3, 2026 |
| Property Address | 520 GAIER DR, TROY, OH 45373-2002 |
| Document Number | 0000006741 |
| Instrument Date | May 29, 2026 |
| Instrument | 20266741 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 520 GAIER DR, TROY, OH 45373-2002 |
| Document Number | 0000006741, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 20266741 |
| Name | WRIGHTPATT CREDIT UNION INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 520 GAIER DR, TROY, OH 45373-2002 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008351 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 2022OR-08351 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 520 GAIER DR, TROY, OH 45373-2002 |
| Document Number | 0000012955 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 520 GAIER DR TROY OH 453732002, TROY, OH 45373-2002 |
| Document Number | 0000012955 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 12955 |
| Name | WRIGHT-PATT CU |
|---|---|
| Type | Credit Union |
| Address | BEAVERCREEK, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 22, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 520 Gaier Dr was $2,812 with a homeowner's exemption, down 0.2% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Staunton Township |
| Unified School District | Miami East Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,812.00 (-0.21%) Homeowner's exemption | $96,500 (+17.57%) Land $11,380 Building $85,120 | $275,700 Land $32,500 Building $243,200 |
| 2024 | $2,818.00 (+1.51%) Homeowner's exemption | $82,080 (-) Land $12,180 Building $69,900 | |
| 2023 | $2,776.00 (-4.04%) Homeowner's exemption | $82,080 (-) Land $12,180 Building $69,900 | $234,500 (-) Land $34,800 Building $199,700 |
| 2022 | $2,893.00 Homeowner's exemption | $82,080 Land $12,180 Building $69,900 | $234,500 Land $34,800 Building $199,700 |
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.
FEMA maps place 520 Gaier Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 29 policies |
| Nearby Flood Policies | 29 in force |
| Nearby Flood Claims | 13 (1980–2014) |
| Claims Outside the SFHA | 11 of 13 |
| Most Recent Claim | May 2014 · 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 risk around 520 Gaier 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 93% of the US · lower than 68% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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