610 Polecat Rd, Troy, OH 45373 Property Records

Miami County property record for 610 Polecat Rd, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,138 sqft · built 1998
Lot Size	10.1 acres (440,000 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jan 2019)
Tax Bill	$10,142 (2025)
Deeds & Mortgages	May 2021 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`K30-040550`

Property Details

APN / Parcel Number

Primary APN	`K30-040550`
Alternative APNs	`011113.0-01-013-00` `K30ST021 05300`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,138 sqft Living Area
1st Floor Area	5,996 sqft
Upper Floors Area	1,140 sqft
Basement Area	2,998 sqft
Finished Basement	2,000 sqft
Unfinished Basement	998 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	440,000 sqft (10.1 acres)
Terrain	Rolling
Garage Area	1,235 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	1,200 sqft
Porch	Slab
Porch Area	651 sqft
Patio Area	1,100 sqft
Lean-To	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	610 POLECAT RD
City	TROY
State	OH
Zip	45373-9775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11-1-13 E CEN PT NE
Legal Range	11
Legal Township	01
Legal Section	13
Jurisdiction	MIAMI OH
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1031
Census Tract	365101

Owner

610 Polecat Rd is owned and occupied by two individuals who bought it in January 2019.

Source: Miami County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	610 POLECAT RD, TROY, OH 45373-9775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE NAT'L BK
Jan 9, 2019	Warranty Deed, Transfer · Conventional Mortgage GREENVILLE NATIONAL BANK
Dec 18, 2017	Trustee's Deed, Construction Loan · Line of Credit MINSTER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2019 · Amount on File
Deed Sale	Jan 9, 2019 · Amount on File
Deed Document Number	20192019OR-00355
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	610 POLECAT RD, TROY, OH 45373-9775
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 POLECAT RD, TROY, OH 45373-9775

Mortgage

Document Number	0000007636
Date	May 3, 2021
Instrument	2021OR-07636

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Apr 23, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	610 POLECAT RD, TROY, OH 45373-9775
Document Number	0000014918
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	610 POLECAT RD TROY OH 453739775, TROY, OH 45373-9775

Mortgage

Document Number	0000014918
Date	Oct 13, 2020
Instrument	14918

Lender

Name	GREENVILLE NAT'L BK
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 12, 2045

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 9, 2019
Property Address	610 POLECAT RD, TROY, OH 45373-9775
Document Number	0000000355
Map Reference	VOL 26 PG 10&12
Instrument Date	Dec 24, 2018
Instrument	2019OR-00355
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
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 POLECAT RD, TROY, OH 45373-9775

Mortgage

Document Number	0000000356
Date	Jan 9, 2019
Instrument	2019OR-00356

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 18, 2017
Property Address	610 POLECAT RD, TROY, OH 45373-9775
Instrument Date	Dec 15, 2017
Instrument	15643
Transaction Type	Construction Loan
Record Updated	Jan 5, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	610 POLECAT RD TROY OH 453739775, TROY, OH 45373-9775

Mortgage

Document Number	0000015643
Date	Dec 18, 2017
Instrument	15643

Lender

Name	MINSTER BK
Type	Bank
Address	SIDNEY, OH 45365-0967

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 17, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 610 Polecat Rd was $10,142 with a homeowner's exemption, up 28.8% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Staunton Township
Unified School District	Miami East Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,142.00 (+28.82%) Homeowner's exemption	$347,270 (+51.57%) Land $22,820 Building $324,450	$1,091,500 Land $164,500 Building $927,000
2024	$7,873.00 (+1.5%) Homeowner's exemption	$229,120 (-) Land $18,490 Building $210,630
2023	$7,757.00 (-18.63%) Homeowner's exemption	$229,120 (-14.89%) Land $18,490 Building $210,630	$769,200 (-) Land $167,400 Building $601,800
2022	$9,533.00 Homeowner's exemption	$269,220 Land $58,590 Building $210,630	$769,200 Land $167,400 Building $601,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 610 Polecat Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1995–2013)
Claims Outside the SFHA	2 of 4
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

The area around 610 Polecat Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skymesh Fixed Wireless	50 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: Frontier, Watch TV.

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