610 E Franklin St, Troy, OH 45373 Property Records

Miami County property record for 610 E Franklin St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,584 sqft · built 1890
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Oct 2016)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D08-009475`

Property Details

APN / Parcel Number

Primary APN	`D08-009475`
Alternative APNs	`050627.2-19-005-00` `D08SE011 01600`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,584 sqft Living Area
1st Floor Area	3,312 sqft
Upper Floors Area	928 sqft
Basement Area	464 sqft
Unfinished Basement	464 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	165 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	160 sqft
Lean-To	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	610 E FRANKLIN ST
City	TROY
State	OH
Zip	45373-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 697 55.25
Legal Lot Number	697
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3000
Census Tract	365200

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	2 Individual Names on Record
Mailing Address	610 E FRANKLIN ST, TROY, OH 45373-3613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Survivorship Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 7, 2021	Affidavit of Death of Joint Tenant, Transfer
Oct 7, 2021	Transfer on Death Deed, Transfer
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2016 · Amount on Record
Deed Sale	Oct 12, 2016 · Amount on Record
Prior Sale	Jul 2, 1991 · Amount on Record
Deed Document Number	2016OR-12530
Transfer Doc	0000017539
Record Updated	Sep 20, 2026

September 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 1, 2022
Property Address	610 E FRANKLIN ST, TROY, OH 45373-3613
Document Number	0000013084
Instrument Date	Aug 31, 2022
Instrument	2022OR-13084
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	610 E FRANKLIN ST, TROY, OH 45373-3613

Mortgage

Document Number	0000013095
Date	Sep 1, 2022
Instrument	2022OR-13095

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	Oct 7, 2021
Property Address	610 E FRANKLIN ST, TROY, OH 45373-3613
Document Number	0000017539
Instrument Date	Oct 6, 2021
Instrument	2021OR-17539
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E FRANKLIN ST, TROY, OH 45373-3613

October 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 7, 2021
Property Address	610 E FRANKLIN ST, TROY, OH 45373-3613
Document Number	0000017540
Instrument Date	Oct 6, 2021
Instrument	2021OR-17540
Transaction Type	Transfer
Record Updated	Apr 16, 2024

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	610 E FRANKLIN ST, TROY, OH 45373-3613

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	610 E FRANKLIN ST, TROY, OH 45373-3613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012107
Date	Aug 27, 2020
Instrument	2020OR-12107

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

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

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	$4,145.00 (+76.46%) Homeowner's exemption	$124,920 (+100.84%) Land $9,170 Building $115,750	$356,900 (+100.84%) Land $26,200 Building $330,700
2024	$2,349.00 (+2.17%) Homeowner's exemption	$62,200 (-) Land $9,560 Building $52,640
2023	$2,299.00 (+15.41%) Homeowner's exemption	$62,200 (-) Land $9,560 Building $52,640	$177,700 (-) Land $27,300 Building $150,400
2022	$1,992.00 Homeowner's exemption	$62,200 Land $9,560 Building $52,640	$177,700 Land $27,300 Building $150,400

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 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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