Miami County, Ohio

Hybrid111,950 residents

County research last verified 2026-07. Office holders, platforms, and deposit rules change — re-confirm anything time-sensitive.

Sale typestate default

Hybrid

Redemption periodstate default

1 year from lien certificate sale (varies); forfeiture-to-deed track has no redemption once complete

Investor returnstate default

Lien: up to 18% per annum, county-set

Governing statutestate default

Ohio Revised Code Ch. 5721

Notes

Ohio hybrid / sheriff foreclosure county. Miami County Sheriff conducts all real estate subject to foreclosure on RealAuction (miami.sheriffsaleauction.ohio.gov) under Ohio DAS contract — effective June 22, 2022. Mortgage foreclosure sales typically Wednesdays at 10:00 a.m. EST with 7-day proxy bidding. Deposit tiers $2,000 / $5,000 / $10,000 by appraised value via ACH/wire only. Dayton MSA north (Troy, Piqua, Tipp City, West Milton) with I-75 industrial corridor demand.

Auction logistics

Format

Online (RealAuction)

Frequency

Mortgage foreclosure sales typically every Wednesday 10:00 a.m. when inventory ordered; confirm tax-track calendar with Sheriff Sales (937-440-3467)

Platform

RealAuction — Miami County Official Foreclosure Auctions ↗

Deposit rules

Register on miami.sheriffsaleauction.ohio.gov and complete Purchaser Information Form. Deposit $2k (≤$10k appraisal) / $5k ($10k–$200k) / $10k (>$200k) by ACH or wire — no cash. Wire by 5 p.m. EST five business days before sale (per county page). Balance after confirmation. Sold AS IS. Tax-foreclosure purchasers may need ORC 5721.19(J) affidavit.

Title risk

Liens that survive the sale

Judicial sheriff sale after confirmation generally cuts off junior private liens when parties were before the court; federal liens can survive. Independent title required.

Quiet title

Confirmation is primary; quiet title common if insurer demands additional comfort beyond sheriff’s deed.

Deal maths for Ohio

Assessment ratio: 0.35× of market value
Typical quiet title: $1,800–$5,000 · 5 mo
Recording and transfer: $150

R.C. 5715.01: taxable value is the percentage of true value the tax commissioner sets by rule, capped at 35%. The rule has been at the 35% ceiling for decades and applies uniformly statewide, with no classification by property type and no county overrides.

Offices and records

Tax collector

Miami County Sheriff — Real Estate / Sheriff Sales ↗

937-440-3467

Clerk of court

Miami County Clerk of Courts ↗

Property appraiser

Miami County Auditor / Treasurer tax & parcel data ↗

937-440-6045

GIS / parcel map

Miami County Auditor GIS / parcel maps ↗

Areas trending up

Directional read from dated market analysis — not a guarantee, and not a substitute for your own comps.

Troy core / I-75 employment belt

County-seat manufacturing and logistics with primary SF absorption

Tipp City / Monroe Township

Dayton-north suburban school-driven demand with resilient resale

Piqua / US-36 industrial edge

Workforce housing near plant and distribution employment