Miami County property record for 581 Miami St, Troy, OH 45373
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 950 sqft · built 1959 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,000 (Aug 2016) |
| Tax Bill | $1,617 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D08-031540 |
| Primary APN | D08-031540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 950 sqft Living Area |
| 1st Floor Area | 1,900 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 109 ft deep x 71 ft wide |
| Porch | Porch |
| Porch Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 581 MIAMI ST |
|---|---|
| City | TROY |
| State | OH |
| Zip | 45373-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 3089 109.51 |
| Legal Subdivision | CW SHARPS SUB |
| Legal Lot Number | 3089 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 365101 |
581 Miami St is owned and occupied by an individual who bought it in August 2016.
Source: Miami County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 581 MIAMI ST, TROY, OH 45373-2136 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2016 · Amount on File |
| Deed Sale | Aug 19, 2016 · Amount on File |
| Prior Sale | May 10, 2010 · Amount on File |
| Deed Document Number | 2016OR-09943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 581 MIAMI ST, TROY, OH 45373-2136 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 581 MIAMI ST, TROY, OH 45373-2136 |
| Document Number | 0000002844 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 2023OR-02844 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 581 Miami St was $1,617 with a homeowner's exemption, up 4.3% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Municipality | Troy City |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,617.00 (+4.26%) Homeowner's exemption | $47,880 (+18.72%) Land $11,130 Building $36,750 | $136,800 Land $31,800 Building $105,000 |
| 2024 | $1,551.00 (+3.19%) Homeowner's exemption | $40,330 (-) Land $12,010 Building $28,320 | |
| 2023 | $1,503.00 (+17.33%) Homeowner's exemption | $40,330 (-) Land $12,010 Building $28,320 | $115,200 (-) Land $34,300 Building $80,900 |
| 2022 | $1,281.00 Homeowner's exemption | $40,330 Land $12,010 Building $28,320 | $115,200 Land $34,300 Building $80,900 |
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 581 Miami St in Zone X, an area of minimal flood risk.
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.
The area around 581 Miami St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 526 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: Verizon, Watch TV.
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