547 N Elm St, Troy, OH 45373 Property Records

Miami County property record for 547 N Elm St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1923
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$933 (2025)
Deeds & Mortgages	Jun 2022 Sale Apr 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C06-080716`

Property Details

APN / Parcel Number

Primary APN	`C06-080716`
Alternative APNs	`050621.2-03-019-00` `C06CC022A01700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Basement Area	394 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	590 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Old Parcel Number	C06CC022A01700
Street Address	547 N ELM ST
City	TROY
State	OH
Zip	45373-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-21 LOT 15 MIAMI ACRES
Legal Range	05
Legal Township	06
Legal Section	21
Legal Subdivision	MIAMI ACRES
Legal Lot Number	15
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3013
Census Tract	365002

Owner

Source: Miami County records, as of March 5, 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	547 N ELM ST, TROY, OH 45373-1326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Warranty Deed, Transfer
Apr 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 10, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022
Deed Sale	Jun 14, 2022
Prior Sale	Aug 10, 2017 · Amount on Record
Deed Document Number	2022OR-09286
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 14, 2022
Property Address	547 N ELM ST, TROY, OH 45373-1326
Document Number	0000009286
Map Reference	VOL 4 PG 33
Instrument Date	Jun 13, 2022
Instrument	2022OR-09286
Transaction Type	Transfer
Record Updated	Jul 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7149 KLYEMORE DR, HUBER HEIGHTS, OH 45424-3026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	547 N ELM ST, TROY, OH 45373-1326
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006432
Date	Apr 22, 2022
Instrument	2022OR-06432

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	547 N ELM ST, TROY, OH 45373-1326
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006699
Date	May 27, 2020
Instrument	2020OR-06699

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 10, 2017
Property Address	547 N ELM ST, TROY, OH 45373-1326
Document Number	0000009862
Instrument Date	Aug 30, 2017
Instrument	9862
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$77.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	547 N ELM ST TROY OH 453731326, TROY, OH 45373-1326

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$933.00 (+0.54%) Homeowner's exemption	$25,660 (+9.56%) Land $6,760 Building $18,900	$73,300 (+9.57%) Land $19,300 Building $54,000
2024	$928.00 (+3%) Homeowner's exemption	$23,420 (-) Land $7,180 Building $16,240
2023	$901.00 (+16.86%) Homeowner's exemption	$23,420 (-) Land $7,180 Building $16,240	$66,900 (-) Land $20,500 Building $46,400
2022	$771.00 Homeowner's exemption	$23,420 Land $7,180 Building $16,240	$66,900 Land $20,500 Building $46,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Dec 2013 · 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	Low lower than 94% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

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