7 E Water St, Troy, OH 45373 Property Records

Miami County property record for 7 E Water St, Troy, OH 45373

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 bd · 1.5 ba · 2,212 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$190,250 (Jul 2025)
Tax Bill	$1,924 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D08-000110`

Property Details

APN / Parcel Number

Primary APN	`D08-000110`
Alternative APNs	`050621.4-05-004-00` `D08NE002 00300`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,212 sqft Total Area
1st Floor Area	2,128 sqft
Upper Floors Area	1,148 sqft
Basement Area	532 sqft
Unfinished Basement	532 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	78 ft deep x 53 ft wide
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	7 E WATER ST
City	TROY
State	OH
Zip	45373-3434
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	IL 6 52.7X78 S CEN PT
Legal Subdivision	CITY OF TROY
Legal Lot Number	6
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1002
Census Tract	365200

Owner

Source: Miami County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2570 TROY SIDNEY RD, TROY, OH 45373-7729
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage ABBEY CU INC
Sep 8, 2023	Warranty Deed, Transfer
May 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	May 8, 1992 · Amount on Record
Deed Document Number	20257183
Prior Transfer Date	Jul 19, 2023
Prior Transfer Doc	0000009902
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7 E WATER ST, TROY, OH 45373-3434
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 TROY SIDNEY RD, TROY, OH 45373-7729

Mortgage

Document Number	0000010478
Date	Sep 12, 2025
Instrument	2025OR-10478

Lender

Name	ABBEY CU INC
Type	Credit Union
Address	800 FALLS CREEK DR, VANDALIA, OH 45377

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 8, 2023
Property Address	7 E WATER ST, TROY, OH 45373-3434
Document Number	0000009902
Instrument Date	Jul 19, 2023
Instrument	2023OR-09902
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1237 WATERBURY PL, TROY, OH 45373-4607

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7 E WATER ST, TROY, OH 45373-3434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005710
Date	May 11, 2018
Instrument	2018OR-05710

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 3, 2033

Interest

Rate Type	Fixed Rate

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	$1,924.00 (-3.41%)	$35,290 (+7.82%) Land $11,380 Building $23,910	$100,800 (+7.81%) Land $32,500 Building $68,300
2024	$1,992.00 (+4.08%)	$32,730 (-) Land $9,490 Building $23,240
2023	$1,914.00 (+8.44%)	$32,730 (-) Land $9,490 Building $23,240	$93,500 (-) Land $27,100 Building $66,400
2022	$1,765.00	$32,730 Land $9,490 Building $23,240	$93,500 Land $27,100 Building $66,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 184 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

May also be available: AT&T, Verizon, Watch TV.

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