10168 Atchison Rd, Dayton, OH 45458 Property Records

Montgomery County property record for 10168 Atchison Rd, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,008 sqft · built 1980
Lot Size	0.548 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Aug 2026)
Tax Bill	$8,300 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`O67-28102-0012`

Property Details

APN / Parcel Number

Primary APN	`O67-28102-0012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,008 sqft Living Area
Gross Area	3,596 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	32,670 sqft (0.548 acres)
Lot Dimensions	231 ft deep x 142 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	120 sqft
Deck Area	209 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10168 ATCHISON RD
City	DAYTON
State	OH
Zip	45458-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	91 POLO CLUB ESTATES SEC 3
Legal Subdivision	POLO CLUB ESTATES
Legal Lot Number	12
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2004
Census Tract	40305

Owner

Source: Montgomery County records, as of August 25, 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	10168 ATCHISON RD, DAYTON, OH 45458-9209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 1, 2022	Survivorship Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Mar 11, 2021	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Jul 28, 1994
Deed Document Number	202646203
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 5, 2026
Property Address	10168 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000046203
Instrument Date	Jul 1, 2026
Instrument	202646203
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	10168 ATCHISON RD, DAYTON, OH 45458-9209

Mortgage

Document Number	0000046204,
Date	Aug 5, 2026
Instrument	202646204

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10168 ATCHISON RD, DAYTON, OH 45458-9209
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10168 ATCHISON RD, DAYTON, OH 45458-9209

Mortgage

Document Number	0000067163
Date	Nov 26, 2025
Instrument	2025-00067163

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 1, 2022
Property Address	10168 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000041046
Map Reference	MB 107 PG 15
Instrument Date	Jun 1, 2022
Instrument	2022-00041046
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	10168 ATCHISON RD, DAYTON, OH 45458-9209

Mortgage

Document Number	0000041047
Date	Jul 1, 2022
Instrument	2022-00041047

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10168 ATCHISON RD, DAYTON, OH 45458-9209
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020529
Date	Mar 11, 2021
Instrument	2021-00020529

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 25, 2046

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10168 ATCHISON RD, DAYTON, OH 45458-9209
Document Number	0000072616
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10168 ATCHISON RD DAYTON OH 454589209, DAYTON, OH 45458-9209

Mortgage

Document Number	0000072616
Date	Dec 2, 2020
Instrument	72616

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 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	$8,300.00 (-0.17%)	$124,020 (-) Land $24,330 Building $99,690	$354,320 (-) Land $69,500 Building $284,820
2024	$8,314.00 (+8.84%)
2023	$7,639.00 (+21.87%)	$124,020 (+39%) Land $24,330 Building $99,690	$354,320 (+39%) Land $69,500 Building $284,820
2022	$6,268.00	$89,220 Land $17,500 Building $71,720
2020			$254,910 Land $50,000 Building $204,910

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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	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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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