723 E Canal St, Troy, OH 45373 Property Records

Miami County property record for 723 E Canal St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,664 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,089 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-009400`

Property Details

APN / Parcel Number

Primary APN	`D08-009400`
Alternative APNs	`050627.2-20-011-00` `D08SE010 00500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Upper Floors Area	832 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	189 ft deep x 63 ft wide

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Patio Area	70 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	723 E CANAL ST
City	TROY
State	OH
Zip	45373-3737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 685 28 W SIDE IN LOT 686 9 TRI E SIDE
Legal Subdivision	CITY OF TROY
Legal Lot Number	685
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
Census Tract	365200

Owner

723 E Canal St is owned and occupied by two individuals who acquired it in June 2025.

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	723 E CANAL ST, TROY, OH 45373-3737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Survivorship Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 17, 2020	Survivorship Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025
Deed Sale	Jun 23, 2025
Prior Sale	Jan 3, 2023 · Amount on File
Deed Document Number	20256799
Prior Transfer Date	Jun 6, 2025
Prior Transfer Doc	0000006799
Record Updated	Oct 29, 2026

January 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 3, 2023
Property Address	723 E CANAL ST, TROY, OH 45373-3737
Document Number	0000000022
Instrument Date	Dec 29, 2022
Instrument	2023OR-00022
Transaction Type	Transfer
Record Updated	Jan 20, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	723 E CANAL ST, TROY, OH 45373-3737

Mortgage

Document Number	0000000023
Date	Jan 3, 2023
Instrument	2023OR-00023

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

December 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 17, 2020
Property Address	723 E CANAL ST, TROY, OH 45373-3737
Document Number	0000019050
Instrument Date	Dec 15, 2020
Instrument	2020OR-19050
Transaction Type	Transfer
Record Updated	Jul 12, 2021

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	723 E CANAL ST, TROY, OH 45373-3737

Mortgage

Document Number	0000019051
Date	Dec 17, 2020
Instrument	2020OR-19051

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 723 E Canal St was $2,089 with a homeowner's exemption, up 42.9% 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	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	$2,089.00 (+42.89%) Homeowner's exemption	$60,730 (+65.21%) Land $7,110 Building $53,620	$173,500 Land $20,300 Building $153,200
2024	$1,462.00 (+4.65%) Homeowner's exemption	$36,760 (-) Land $7,390 Building $29,370
2023	$1,397.00 (+16.9%) Homeowner's exemption	$36,760 (-) Land $7,390 Building $29,370	$105,000 (-) Land $21,100 Building $83,900
2022	$1,195.00 Homeowner's exemption	$36,760 Land $7,390 Building $29,370	$105,000 Land $21,100 Building $83,900

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

FEMA maps place 723 E Canal St in Zone X, an area of minimal flood risk.

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

The area around 723 E Canal St 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.

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

May also be available: Watch TV.

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