995 Terry Dr, Troy, OH 45373 Property Records

Miami County property record for 995 Terry Dr, Troy, OH 45373

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,211 sqft · built 1964
Lot Size	0.276 acres (12,040 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Sep 2025)
Tax Bill	$1,689 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`D08-051550`

Property Details

APN / Parcel Number

Primary APN	`D08-051550`
Alternative APNs	`011012.3-11-016-00` `D08NE059 01000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,211 sqft Living Area
1st Floor Area	2,422 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	12,040 sqft (0.276 acres)
Lot Dimensions	140 ft deep x 86 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	995 TERRY DR
City	TROY
State	OH
Zip	45373-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 5238 86
Legal Subdivision	HERITAGE HILLS
Legal Lot Number	5238
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4065
Census Tract	365102

Owner

995 Terry Dr is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	995 TERRY DR, TROY, OH 45373-1776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Jul 21, 2020 · Amount on File
Deed Document Number	202511213
Prior Transfer Date	May 21, 2014
Prior Transfer Doc	0000005499
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 30, 2025
Property Address	995 TERRY DR, TROY, OH 45373-1776
Document Number	0000011213
Map Reference	MB 8 PG 143
Instrument Date	Sep 29, 2025
Instrument	2025OR-11213
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	WAVE TITLE AGENCY INC

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	995 TERRY DR, TROY, OH 45373-1776

Mortgage

Document Number	0000011214
Date	Sep 30, 2025
Instrument	2025OR-11214

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 21, 2020
Property Address	995 TERRY DR, TROY, OH 45373-1776
Document Number	0000009825
Instrument Date	Jul 2, 2020
Instrument	9825
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 TERRY DR TROY OH 453731776, TROY, OH 45373-1776

Mortgage

Document Number	9826
Date	Jul 21, 2020
Instrument	9826

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 995 Terry Dr was $1,689 with a homeowner's exemption, up 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	$1,689.00 (+8.97%) Homeowner's exemption	$50,970 (+23.92%) Land $12,990 Building $37,980	$145,600 Land $37,100 Building $108,500
2024	$1,550.00 (+2.24%) Homeowner's exemption	$41,130 (-) Land $13,970 Building $27,160
2023	$1,516.00 (+17.43%) Homeowner's exemption	$41,130 (-) Land $13,970 Building $27,160	$117,500 (-) Land $39,900 Building $77,600
2022	$1,291.00 Homeowner's exemption	$41,130 Land $13,970 Building $27,160	$117,500 Land $39,900 Building $77,600

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 995 Terry Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	13 (1980–2014)
Claims Outside the SFHA	11 of 13
Most Recent Claim	May 2014 · river or lake flooding

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

Wildfire risk around 995 Terry Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 536 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

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