832 Cobblestone Dr, Troy, OH 45373 Property Records

Miami County property record for 832 Cobblestone Dr, Troy, OH 45373

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,268 sqft · built 1995
Lot Size	0.053 acres (2,309 sqft)
Owner	Individual Name on File
Last Sale	$131,500 (Dec 2007)
Tax Bill	$1,611 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D08-102334`

Property Details

APN / Parcel Number

Primary APN	`D08-102334`
Alternative APN	`050619.4-02-004-06`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	2,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,309 sqft (0.053 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	832 COBBLESTONE DR
City	TROY
State	OH
Zip	45373-2344
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	IN LOT 8118 COBBLESTONE POINTE #6
Legal Subdivision	COBBLESTONE POINTE #6
Legal Lot Number	8118
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1005
Census Tract	365001

Owner

Source: Miami County records · APN D08-102334

Assessment roll updated March 6, 2026 · Last verified July 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 File
Mailing Address	832 COBBLESTONE DR, TROY, OH 45373-2344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2007 · Amount on Record
Deed Sale	Dec 11, 2007 · Amount on Record
Prior Sale	Jul 14, 2005 · Amount on Record
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	832 COBBLESTONE DR, TROY, OH 45373-2344
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 COBBLESTONE DR, TROY, OH 45373-2344

Mortgage

Document Number	0000012335
Date	Nov 08, 2023
Instrument	2023OR-12335

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 03, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,611.00 (-13.53%) Homeowner's exemption	$67,060 (+35.78%) Land $12,600 Building $54,460	$191,600 (+35.79%) Land $36,000 Building $155,600
2024	$1,863.00 (+2.19%) Homeowner's exemption	$49,390 (-) Land $12,080 Building $37,310
2023	$1,823.00 (+17.46%) Homeowner's exemption	$49,390 (-) Land $12,080 Building $37,310	$141,100 (-) Land $34,500 Building $106,600
2022	$1,552.00 Homeowner's exemption	$49,390 Land $12,080 Building $37,310	$141,100 Land $34,500 Building $106,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2004–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2008 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 118 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TROY CITY PWS serves 26,305 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.