545 Summit Ave, Troy, OH 45373 Property Records

Miami County property record for 545 Summit Ave, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,576 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,650 (Sep 2004)
Tax Bill	$2,048 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-021000`

Property Details

APN / Parcel Number

Primary APN	`D08-021000`
Alternative APNs	`050628.2-19-020-00` `D08SW108 00100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
1st Floor Area	2,460 sqft
Attic	Attic
Attic Area	346 sqft
Basement Area	846 sqft
Unfinished Basement	846 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	176 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	545 SUMMIT AVE
City	TROY
State	OH
Zip	45373-3049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2018 50
Legal Lot Number	2018
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3008
Census Tract	365301

Owner

Source: Miami County records, as of August 4, 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	545 SUMMIT AVE, TROY, OH 45373-3049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2019	Deed of Trust, Mortgage · Line of Credit ABBEY CU
Aug 14, 2017	Quit Claim Deed, Transfer ABBEY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2004 · Amount on Record
Deed Sale	Sep 2, 2004 · Amount on Record
Prior Sale	Sep 1, 1987
Last Transfer Date	Aug 2, 2017
Transfer Doc	0000010020
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	545 SUMMIT AVE, TROY, OH 45373-3049
Document Number	0000012590
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 SUMMIT AVE TROY OH 453733049, TROY, OH 45373-3049

Mortgage

Document Number	0000012590
Date	Oct 24, 2019
Instrument	12590

Lender

Name	ABBEY CU
Type	Credit Union
Address	VANDALIA, OH 45377

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 23, 2034

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 14, 2017
Property Address	545 SUMMIT AVE, TROY, OH 45373-3049
Document Number	0000010020
Instrument Date	Aug 2, 2017
Instrument	10020
Transaction Type	Transfer
Record Updated	Sep 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 SUMMIT AVE TROY OH 453733049, TROY, OH 45373-3049

Mortgage

Document Number	10021
Date	Aug 14, 2017
Instrument	10021

Lender

Name	ABBEY CU
Type	Credit Union
Address	VANDALIA, OH 45377

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 13, 2032

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	$2,048.00 (-0.05%) Homeowner's exemption	$61,750 (+13.66%) Land $9,840 Building $51,910	$176,400 (+13.66%) Land $28,100 Building $148,300
2024	$2,049.00 (+2.19%) Homeowner's exemption	$54,330 (-) Land $10,260 Building $44,070
2023	$2,005.00 (+17.46%) Homeowner's exemption	$54,330 (-) Land $10,260 Building $44,070	$155,200 (-) Land $29,300 Building $125,900
2022	$1,707.00 Homeowner's exemption	$54,330 Land $10,260 Building $44,070	$155,200 Land $29,300 Building $125,900

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 405 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
AT&T Fixed Wireless	100 / 20

May also be available: Imagine Networks, Verizon, Watch TV.

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