821 E Canal St, Troy, OH 45373 Property Records

Miami County property record for 821 E Canal St, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,474 sqft · built 1920
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Nov 2020)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D08-009960`

Property Details

APN / Parcel Number

Primary APN	`D08-009960`
Alternative APNs	`050627.2-21-011-00` `D08SE010 01600`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,474 sqft Living Area
1st Floor Area	1,660 sqft
Upper Floors Area	644 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	94 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	821 E CANAL ST
City	TROY
State	OH
Zip	45373-3739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 741 TRI S PT IN LOT 681 54.5X94 S PT
Legal Subdivision	PEARSON AND EDGES ADDITION
Legal Lot Number	741
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3006
Census Tract	365200

Owner

821 E Canal St is owned and occupied by an individual who bought it in November 2020.

Source: Miami County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	821 E CANAL ST, TROY, OH 45373-3739
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 10, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	Oct 1, 1980 · Amount on File
Deed Document Number	20202020OR-16815
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	821 E CANAL ST, TROY, OH 45373-3739
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 E CANALST, TROY, OH 45373-3739

Mortgage

Document Number	0000013931
Date	Dec 20, 2023
Instrument	2023OR-13931

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	1600 S DOUGLASS RD STE 110, ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Dec 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 10, 2020
Property Address	821 E CANAL ST, TROY, OH 45373-3739
Document Number	0000016815
Map Reference	VOL 291 PG 496
Instrument Date	Nov 6, 2020
Instrument	2020OR-16815
Transaction Type	Transfer
Record Updated	Feb 17, 2022

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 E CANAL ST, TROY, OH 45373-3739

Mortgage

Document Number	0000016816
Date	Nov 10, 2020
Instrument	2020OR-16816

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 821 E Canal St was $2,001 with a homeowner's exemption, up 21.9% 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	$2,001.00 (+21.86%) Homeowner's exemption	$58,320 (+39.66%) Land $7,250 Building $51,070	$166,600 Land $20,700 Building $145,900
2024	$1,642.00 (+4.19%) Homeowner's exemption	$41,760 (-) Land $7,530 Building $34,230
2023	$1,576.00 (+17%) Homeowner's exemption	$41,760 (-) Land $7,530 Building $34,230	$119,300 (-) Land $21,500 Building $97,800
2022	$1,347.00 Homeowner's exemption	$41,760 Land $7,530 Building $34,230	$119,300 Land $21,500 Building $97,800

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 821 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 821 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

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