804 Union St, Troy, OH 45373 Property Records

Miami County property record for 804 Union St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1950
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Oct 2022)
Tax Bill	$1,614 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-022450`

Property Details

APN / Parcel Number

Primary APN	`D08-022450`
Alternative APNs	`050628.4-32-004-00` `D08SE057 00400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,976 sqft
Attic	Attic
Attic Area	474 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	124 ft deep x 46 ft wide
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	804 UNION ST
City	TROY
State	OH
Zip	45373-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 2227 3.85 N PT IN LOT 2226 42 S PT
Legal Lot Number	2227
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4028
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	Individual Name on Record
Mailing Address	804 UNION ST, TROY, OH 45373-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 1, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Feb 4, 2014 · Amount on Record
Deed Document Number	202215333
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 20, 2022
Property Address	804 UNION ST, TROY, OH 45373-4110
Document Number	0000015333
Instrument Date	Oct 12, 2022
Instrument	2022OR-15333
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	FIRST OHIO TITLE INSURANCE

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
Address	804 UNION ST, TROY, OH 45373-4110

Mortgage

Document Number	0000015334
Date	Oct 20, 2022
Instrument	2022OR-15334

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	804 UNION ST, TROY, OH 45373-4110
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005109
Date	May 1, 2017
Instrument	2017OR-05109

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Apr 13, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,614.00 (+37.48%) Homeowner's exemption	$48,620 (+56.44%) Land $7,210 Building $41,410	$138,900 (+56.42%) Land $20,600 Building $118,300
2024	$1,174.00 (+0.17%) Homeowner's exemption	$31,080 (-) Land $7,490 Building $23,590
2023	$1,172.00 (+19.84%) Homeowner's exemption	$31,080 (-) Land $7,490 Building $23,590	$88,800 (-) Land $21,400 Building $67,400
2022	$978.00 Homeowner's exemption	$31,080 Land $7,490 Building $23,590	$88,800 Land $21,400 Building $67,400

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
Nearby Flood Claims	1 (2014)
Most Recent Claim	May 2014 · rainfall accumulation

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	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 338 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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