655 Garden Pl, Troy, OH 45373 Property Records

Miami County property record for 655 Garden Pl, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,183 sqft · built 1968
Lot Size	0.717 acres (31,247 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jun 2024)
Tax Bill	$7,211 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C06-080378`

Property Details

APN / Parcel Number

Primary APN	`C06-080378`
Alternative APNs	`040604.2-02-012-00` `C06CC005A01200`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,183 sqft Living Area
1st Floor Area	5,486 sqft
Upper Floors Area	1,440 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	31,247 sqft (0.717 acres)
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	126 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	655 GARDEN PL
City	TROY
State	OH
Zip	45373-4307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-4-4 LOT 5 MERRIMONT #6
Legal Range	06
Legal Township	04
Legal Section	04
Legal Subdivision	MERRIMONT #6
Legal Lot Number	5
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
Census Tract	365302

Owner

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 Record
Mailing Address	655 GARDEN PL, TROY, OH 45373-4307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 8, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Prior Sale	Sep 7, 2022 · Amount on Record
Deed Document Number	20246383
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	655 GARDEN PL, TROY, OH 45373-4307
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 GARDEN PL, TROY, OH 45373-4307

Mortgage

Document Number	0000005885
Date	Jun 6, 2023
Instrument	2023OR-05885

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 25, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 7, 2022
Property Address	655 GARDEN PL, TROY, OH 45373-4307
Document Number	0000013309
Map Reference	MB 10 PG 1
Instrument Date	Sep 2, 2022
Instrument	2022OR-13309
Transaction Type	Transfer
Record Updated	Sep 26, 2022

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	655 GARDEN PL, TROY, OH 45373-4307

Mortgage

Document Number	0000013310
Date	Sep 7, 2022
Instrument	2022OR-13310

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

June 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	Jun 8, 2022
Property Address	655 GARDEN PL, TROY, OH 45373-4307
Document Number	0000008933
Map Reference	MB 10 PG 1
Instrument Date	Jun 6, 2022
Instrument	2022OR-08933
Transaction Type	Transfer
Record Updated	Jun 23, 2022

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	655 GARDEN PL, TROY, OH 45373-4307

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
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,211.00 (+22.74%) Homeowner's exemption	$209,830 (+42.74%) Land $20,160 Building $189,670	$599,500 (+42.74%) Land $57,600 Building $541,900
2024	$5,875.00 (+1.91%) Homeowner's exemption	$147,000 (-) Land $20,160 Building $126,840
2023	$5,765.00 (+23.69%) Homeowner's exemption	$147,000 (-) Land $20,160 Building $126,840	$420,000 (-) Land $57,600 Building $362,400
2022	$4,661.00 Homeowner's exemption	$147,000 Land $20,160 Building $126,840	$420,000 Land $57,600 Building $362,400

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 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (2008–2014)
Most Recent Claim	May 2014 · 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	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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