10138 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10138 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,227 sqft · built 1990
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Owner Names on Record
Last Sale	$328,000 (Apr 2003)
Tax Bill	$12,547 (2024)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 28802 0016`

Property Details

APN / Parcel Number

Primary APN	`O67 28802 0016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,227 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,292 sqft
Finished Basement	1,100 sqft
Unfinished Basement	192 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Colonial
Exterior Material	Brick
Lot Area	20,909 sqft (0.48 acres)
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10138 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16 WASHINGTON TWP ESTATES SEC 1
Legal Subdivision	WASHINGTON TWP ESTATES
Legal Lot Number	16
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 Owner Names on Record
Mailing Address	10138 CHERRY TREE TER, DAYTON, OH 45458-9429
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2003 · Amount on Record
Deed Sale	Apr 21, 2003 · Amount on Record
Prior Sale	Jun 17, 1997 · Amount on Record
Deed Document Number	0000055474
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10138 CHERRY TREE TER, DAYTON, OH 45458-9429
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026778
Date	Apr 20, 2022
Instrument	2022-00026778

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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		$187,650 (-) Land $30,260 Building $157,390
2024	$12,547.00 (+8.66%)
2023	$11,547.00 (+5.23%)	$187,650 (+33%) Land $30,260 Building $157,390	$536,140 (+33%) Land $86,450 Building $449,690
2022	$10,973.00	$141,090 Land $22,750 Building $118,340
2020			$403,110 Land $65,000 Building $338,110

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

Nearby Properties on Cherry Tree Ter

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