707 E Canal St, Troy, OH 45373 Property Records

Miami County property record for 707 E Canal St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,764 sqft · built 1920
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Sep 2019)
Tax Bill	$3,210 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D08-009415`

Property Details

APN / Parcel Number

Primary APN	`D08-009415`
Alternative APNs	`050627.2-20-008-00` `D08SE010 00200`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
1st Floor Area	2,240 sqft
Upper Floors Area	644 sqft
Basement Area	882 sqft
Unfinished Basement	238 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2019
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	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	180 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	707 E CANAL ST
City	TROY
State	OH
Zip	45373-3737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 688 54.66
Legal Lot Number	688
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
Census Tract	365200

Owner

Source: Miami County records, as of July 21, 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	707 E CANAL ST, TROY, OH 45373-3737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Apr 6, 2022	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Sep 30, 2019	Warranty Deed, Transfer · VA Mortgage UNION SAVINGS BANK
Oct 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY
May 29, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Oct 9, 2018 · Amount on Record
Deed Document Number	20192019OR-11406
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	707 E CANAL ST, TROY, OH 45373-3737
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000547
Date	Jan 18, 2024
Instrument	2024OR-00547

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	4120 W DIVERSEY AVE STE C501, CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	707 E CANAL ST, TROY, OH 45373-3737
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005499
Date	Apr 6, 2022
Instrument	2022OR-05499

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 30, 2019
Property Address	707 E CANAL ST, TROY, OH 45373-3737
Document Number	0000011406
Instrument Date	Sep 27, 2019
Instrument	2019OR-11406
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
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	707 E CANAL ST, TROY, OH 45373-3737

Mortgage

Document Number	0000011407
Date	Sep 30, 2019
Instrument	2019OR-11407

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 9, 2018
Property Address	707 E CANAL ST, TROY, OH 45373-3737
Document Number	0000012340
Instrument Date	Sep 10, 2018
Instrument	12340
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$74.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	707 E CANAL ST TROY OH 453733737, TROY, OH 45373-3737

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MIAMI OH
Recording Date	May 29, 2018
Property Address	707 E CANAL ST, TROY, OH 45373-3737
Document Number	0000006439
Instrument Date	May 24, 2018
Instrument	6439
Transaction Type	Transfer
Record Updated	Jun 14, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 N STATE ROUTE 560 URBANA OH 430789359, URBANA, OH 43078-9359

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	$3,210.00 (+26.98%) Homeowner's exemption	$90,130 (+40.39%) Land $9,170 Building $80,960	$257,500 (+40.4%) Land $26,200 Building $231,300
2024	$2,528.00 (+4.33%) Homeowner's exemption	$64,200 (-) Land $9,560 Building $54,640
2023	$2,423.00 (+17%) Homeowner's exemption	$64,200 (-) Land $9,560 Building $54,640	$183,400 (-) Land $27,300 Building $156,100
2022	$2,071.00 Homeowner's exemption	$64,200 Land $9,560 Building $54,640	$183,400 Land $27,300 Building $156,100

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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