10131 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10131 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,656 sqft · built 1990
Lot Size	0.426 acres (18,557 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Mar 2020)
Tax Bill	$9,725 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`O67 28802 0010`

Property Details

APN / Parcel Number

Primary APN	`O67 28802 0010`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,656 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	172 sqft
Unfinished Basement	172 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Colonial
Exterior Material	Brick
Lot Area	18,557 sqft (0.426 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	30 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10131 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 WASHINGTON TWP ESTATES SEC 1
Legal Subdivision	WASHINGTON TWP ESTATES
Legal Lot Number	10
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2000
Census Tract	40305

Owner

Source: Montgomery County records, as of January 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 30, 2020	Warranty Deed, Transfer · Conventional Mortgage US BK
Oct 5, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jul 16, 2018	Deed of Trust, Mortgage · Line of Credit DAY AIR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2020 · Amount on Record
Deed Sale	Mar 30, 2020 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	2020-00019341
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428

Mortgage

Document Number	0000010330
Date	Feb 29, 2024
Instrument	2024-00010330

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 30, 2020
Property Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428
Document Number	0000019341
Instrument Date	Mar 26, 2020
Instrument	19341
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10131 CHERRY TREE TER DAYTON OH 454589428, DAYTON, OH 45458-9428

Mortgage

Document Number	19342
Date	Mar 30, 2020
Instrument	19342

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Mortgage

Document Number	19343,
Date	Mar 30, 2020
Instrument	19343

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 5, 2018
Property Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428
Document Number	0000059008
Instrument Date	Sep 13, 2018
Instrument	59008
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,074.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10131 CHERRY TREE TER WASHINGTON TOWNSHIP OH 454589428, WASHINGTON TOWNSHIP, OH 45458-9428

Mortgage

Document Number	59009
Date	Oct 5, 2018
Instrument	59009

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 4, 2033

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10131 CHERRY TREE TER, DAYTON, OH 45458-9428
Document Number	0000042909
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10131 CHERRY TREE TER DAYTON OH 454589428, DAYTON, OH 45458-9428

Mortgage

Document Number	0000042909
Date	Jul 25, 2018
Instrument	42909

Lender

Name	DAY AIR CU
Type	Credit Union
Address	KETTERING, OH 45429

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$145,370 (-) Land $30,260 Building $115,110
2024	$9,725.00 (+8.66%)
2023	$8,950.00 (+5.23%)	$145,370 (+33%) Land $30,260 Building $115,110	$415,330 (+33%) Land $86,450 Building $328,880
2022	$8,505.00	$109,300 Land $22,750 Building $86,550
2020			$312,280 Land $65,000 Building $247,280

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

Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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

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

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

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	MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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