527 S Cherry St, Troy, OH 45373 Property Records

Miami County property record for 527 S Cherry St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,283 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$64,500 (May 2009)
Tax Bill	$1,738 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-011290`

Property Details

APN / Parcel Number

Primary APN	`D08-011290`
Alternative APNs	`050628.1-40-012-00` `D08SW030 01700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,283 sqft Living Area
1st Floor Area	1,454 sqft
Upper Floors Area	548 sqft
Basement Area	548 sqft
Unfinished Basement	548 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	119 ft deep x 34 ft wide

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	65 sqft
Patio Area	65 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	527 S CHERRY ST
City	TROY
State	OH
Zip	45373-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 873 PT & IN LOT 874 PT
Legal Subdivision	TROY
Legal Lot Number	873
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3026
Census Tract	365301

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	Individual Name on Record
Mailing Address	527 S CHERRY ST, TROY, OH 45373-3315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Mar 14, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2009 · Amount on Record
Deed Sale	May 4, 2009 · Amount on Record
Prior Sale	Mar 8, 2007 · Amount on Record
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	527 S CHERRY ST, TROY, OH 45373-3315
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 S CHERRY ST, TROY, OH 45373-3315

Mortgage

Document Number	0000013336
Date	Dec 4, 2023
Instrument	2023OR-13336

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Nov 22, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	527 S CHERRY ST, TROY, OH 45373-3315
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013324
Date	Aug 2, 2021
Instrument	2021OR-13324

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	527 S CHERRY ST, TROY, OH 45373-3315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002613
Date	Mar 14, 2019
Instrument	2019OR-02613

Lender

Name	PNC BANK NA
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

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	$1,738.00 (+14.95%) Homeowner's exemption	$49,110 (+32.12%) Land $7,420 Building $41,690	$140,300 (+32.11%) Land $21,200 Building $119,100
2024	$1,512.00 (+5.88%) Homeowner's exemption	$37,170 (-) Land $8,050 Building $29,120
2023	$1,428.00 (+16.67%) Homeowner's exemption	$37,170 (-) Land $8,050 Building $29,120	$106,200 (-) Land $23,000 Building $83,200
2022	$1,224.00 Homeowner's exemption	$37,170 Land $8,050 Building $29,120	$106,200 Land $23,000 Building $83,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	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 624 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Frontier, Verizon, Watch TV.

Nearby Properties on S Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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