549 Summit Ave, Troy, OH 45373 Property Records

Miami County property record for 549 Summit Ave, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 576 sqft · built 1927
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$72,600 (Jul 2020)
Tax Bill	$937 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-020990`

Property Details

APN / Parcel Number

Primary APN	`D08-020990`
Alternative APNs	`050628.2-19-021-00` `D08SW108 00200`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Living Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	176 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	D08SW108 00200
Street Address	549 SUMMIT AVE
City	TROY
State	OH
Zip	45373-3049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2017 50
Legal Subdivision	CITY/TROY
Legal Lot Number	2017 50
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3008
Census Tract	365301

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	549 SUMMIT AVE, TROY, OH 45373-3049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 23, 2020	Warranty Deed, Transfer · VA Mortgage NORTHERN MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Aug 1, 2005 · Amount on Record
Deed Document Number	1372
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	549 SUMMIT AVE, TROY, OH 45373-3049
Transaction Type	Mortgage
Record Updated	Sep 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014370
Date	Aug 17, 2021
Instrument	2021OR-14370

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 23, 2020
Property Address	549 SUMMIT AVE, TROY, OH 45373-3049
Document Number	0000009932
Instrument Date	Jul 22, 2020
Instrument	2020OR-09932
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 SUMMIT AVE, TROY, OH 45373-3049
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009933
Date	Jul 23, 2020
Instrument	2020OR-09933

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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
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	$937.00 (+11.28%) Homeowner's exemption	$27,200 (+21.97%) Land $9,840 Building $17,360	$77,700 (+21.98%) Land $28,100 Building $49,600
2024	$842.00 (+2.18%) Homeowner's exemption	$22,300 (-) Land $10,260 Building $12,040
2023	$824.00 (+17.38%) Homeowner's exemption	$22,300 (-) Land $10,260 Building $12,040	$63,700 (-) Land $29,300 Building $34,400
2022	$702.00 Homeowner's exemption	$22,300 Land $10,260 Building $12,040	$63,700 Land $29,300 Building $34,400

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.

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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