625 E Franklin St, Troy, OH 45373 Property Records

Miami County property record for 625 E Franklin St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,848 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$121,000 (Mar 2006)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	Dec 2025 Sale Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-009760`

Property Details

APN / Parcel Number

Primary APN	`D08-009760`
Alternative APNs	`050627.2-12-010-00` `D08SE004 00500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
1st Floor Area	2,288 sqft
Upper Floors Area	704 sqft
Basement Area	352 sqft
Unfinished Basement	352 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	161 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	625 E FRANKLIN ST
City	TROY
State	OH
Zip	45373-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 724 55.25
Legal Lot Number	724
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1022
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 Company Names on Record
Mailing Address	625 E FRANKLIN ST, TROY, OH 45373-3612
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Warranty Deed, Transfer
Jun 27, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2006 · Amount on Record
Deed Sale	Mar 6, 2006 · Amount on Record
Prior Sale	Feb 10, 2003 · Amount on Record
Last Transfer Date	Nov 14, 2025
Transfer Doc	0000013999
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 4, 2025
Property Address	625 E FRANKLIN ST, TROY, OH 45373-3612
Document Number	0000013999
Instrument Date	Nov 14, 2025
Instrument	2025OR-13999
Transaction Type	Transfer
Record Updated	Dec 12, 2025

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	625 E FRANKLIN ST, TROY, OH 45373-3612

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	625 E FRANKLIN ST, TROY, OH 45373-3612
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009887
Date	Jun 27, 2022
Instrument	2022OR-09887

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	119 Months
Due	May 1, 2032

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	625 E FRANKLIN ST, TROY, OH 45373-3612
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 E FRANKLIN ST, TROY, OH 45373-3612

Mortgage

Document Number	0000010698
Date	Jul 14, 2022
Instrument	2022OR-10698

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Apr 25, 2052

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	$2,001.00 (+23.21%) Homeowner's exemption	$81,380 (+54.07%) Land $9,100 Building $72,280	$232,500 (+54.08%) Land $26,000 Building $206,500
2024	$1,624.00 (+0.68%) Homeowner's exemption	$52,820 (-) Land $9,450 Building $43,370
2023	$1,613.00 (+16.38%) Homeowner's exemption	$52,820 (-) Land $9,450 Building $43,370	$150,900 (-) Land $27,000 Building $123,900
2022	$1,386.00 Homeowner's exemption	$52,820 Land $9,450 Building $43,370	$150,900 Land $27,000 Building $123,900

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–1990)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1990 · 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	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	MIAMI CO-CAMP TROY PWS private · serves 3,813 people · EPA ID OH5502503
Water Source	Purchased groundwater from TROY CITY PWS
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

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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