10168 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10168 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,194 sqft · built 1991
Lot Size	0.438 acres (19,079 sqft)
Owner	Individual Name on Record
Tax Bill	$10,522 (2024)
Deeds & Mortgages	Mar 2026 Transfer Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O67-28803-0015`

Property Details

APN / Parcel Number

Primary APN	`O67-28803-0015`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,194 sqft Living Area
Gross Area	3,958 sqft
1st Floor Area	1,320 sqft
Basement Area	234 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Modern
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Lot Area	19,079 sqft (0.438 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	91 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10168 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	46 WASHINGTON TWP ESTATES ONE SEC 2
Legal Subdivision	WASHINGTON TWP ESTATES ONE
Legal Lot Number	15
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2000
Census Tract	40305

Owner

Source: Montgomery County records, as of December 30, 2025

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

Owner of Record	Individual Name on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Transfer on Death Deed, Transfer
Nov 7, 2023	Affidavit of Death of Joint Tenant, Transfer
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 17, 2023
Transfer Doc	0000057437
Record Updated	Sep 20, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 24, 2026
Property Address	10168 CHERRY TREE TER, DAYTON, OH 45458-9429
Document Number	0000018398
Map Reference	MB 137 PG 5&5A
Instrument Date	Mar 14, 2026
Instrument	2026-00018398
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10168 CHERRY TREE TER, DAYTON, OH 45458-9429

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 7, 2023
Property Address	10168 CHERRY TREE TER, DAYTON, OH 45458-9429
Document Number	0000057437
Map Reference	MB 137 PG 5&5A
Instrument Date	Nov 1, 2023
Instrument	202300057437
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10168 CHERRY TREE TER, CENTERVILLE, OH 45458-9429

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10168 CHERRY TREE TER, CENTERVILLE, OH 45458-9429
Document Number	0000010241
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10168 CHERRY TREE TER DAYTON OH 454589429, DAYTON, OH 45458-9429

Mortgage

Document Number	0000010241
Date	Feb 12, 2020
Instrument	10241

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	4350 BROWNSBORO RD # 210, LOUISVILLE, KY 40207-1681

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 11, 2030

Interest

Rate Type	Adjustable Rate

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		$157,010 (-) Land $30,260 Building $126,750	$448,580 (-) Land $86,450 Building $362,130
2024	$10,522.00 (+8.84%)
2023	$9,667.00 (+5.22%)	$157,010 (+33%) Land $30,260 Building $126,750	$448,580 (+33%) Land $86,450 Building $362,130
2022	$9,187.00	$118,050 Land $22,750 Building $95,300
2020			$337,280 Land $65,000 Building $272,280

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
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 98% of the US · lower than 90% 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 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.

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