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1 E Central Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 1 E Central Ave, Dayton, OH 45449 · Last verified August 2026

Property Summary

Property TypeBank, Financial Building
Details30,549 sqft · built 1890
Lot Size0.25 acres (10,890 sqft)
OwnerCompany Name on File
Last Sale$295,000 (Jan 2026)
Tax Bill$6,951 (2025)
Deeds & MortgagesApr 2026 Construction Loan
Jan 2026 Sale
+ 1 more
Flood ZoneZone X (reduced by levee)
APNK48-00104-0107

Property Details

APN / Parcel Number

Primary APNK48-00104-0107

Interior

Stories3 Stories
Building Area30,549 sqft Gross Area
1st Floor Area10,190 sqft
2nd Floor Area10,190 sqft
Basement Area6,827 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1980
Architectural StyleRow Home
Exterior MaterialConcrete Block
Construction TypeFrame
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions165 ft deep x 66 ft wide
View / LotMajor Commercial Strip
PorchSlab
Porch Area1,164 sqft
Canopy612 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1 E CENTRAL AVE
CityDAYTON
StateOH
Zip45449-1801
Property CategoryCommercial
Property TypeCommercial > Office > Bank, Financial Building
Legal Description37
Legal SubdivisionCITY/WEST CARROLLTON REV
Legal Lot Number107
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2053
Census Tract50301

Owner

Source: Montgomery County records · APN K48-00104-0107

Assessment roll updated December 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing AddressPO BOX 684, NACHES, WA 98937-0684
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2026Deed of Trust, Mortgage · Construction Mortgage
CIVISTA BANK
Jan 29, 2026Deed, Transfer
VANTAGE LAND TITLE
Aug 13, 2021Deed of Trust, Mortgage · Line of Credit
PMGT LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 29, 2026 · Amount on Record
Deed SaleJan 29, 2026 · Amount on Record
Prior SaleMar 18, 2021 · Amount on Record
Deed Document Number20265641
Prior Transfer DateNov 06, 2007
Prior Transfer Doc0000093525
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Recording DateApr 23, 2026
Property Address1 E CENTRAL AVE, DAYTON, OH 45449-1801
Document Number0000024780
Instrument DateApr 21, 2026
Instrument202624780
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266

Mortgage

Document Number0000024780,
DateApr 23, 2026
Instrument202624780
Lender
NameCIVISTA BANK
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.38%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

January 2026: Deed, Transfer

Document TypeDeed
JurisdictionMONTGOMERY OH
Recording DateJan 29, 2026
Property Address1 E CENTRAL AVE, DAYTON, OH 45449-1801
Document Number0000005641
Instrument DateJan 08, 2026
Instrument2026-00005641
Transaction TypeTransfer
Record UpdatedFeb 10, 2026
Title CompanyVANTAGE LAND TITLE

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 684, NACHES, WA 98937-0684

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address1 E CENTRAL AVE, DAYTON, OH 45449-1801
Transaction TypeMortgage
Record UpdatedAug 25, 2022
Title CompanyWIGLEY TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000061057
DateAug 13, 2021
Instrument2021-00061057
Lender
NamePMGT LLC
TypeNon-Lending Institution
AddressLOUISVILLE, KY 40223
Agreement
TypeLine of Credit
AmountAmount Recorded

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated December 30, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityWest Carrollton City
Unified School DistrictWest Carrollton 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,951.00 (-0.5%)$56,030 (-) Land $18,110 Building $37,920$160,060 (-) Land $51,730 Building $108,330
2024$6,986.00 (+17.41%)
2023$5,950.00 (-14.77%)$56,030 (-) Land $18,110 Building $37,920$160,060 (-) Land $51,730 Building $108,330
2022$6,981.00$56,030 Land $18,110 Building $37,920
2020$160,060 Land $51,730 Building $108,330

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391130503012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardReduced by levee
depends on levee performance
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims4 (1989–2020)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 383 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
Benton Ridge Telephone CompanyFixed Wireless (licensed-by-rule)400 / 40
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Frontier, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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