10178 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10178 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,904 sqft · built 1993
Lot Size	0.435 acres (18,992 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Feb 2022)
Tax Bill	$10,135 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 28803 0014`

Property Details

APN / Parcel Number

Primary APN	`O67 28803 0014`

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	2,904 sqft Living Area
1st Floor Area	1,134 sqft
Attic Area	594 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Colonial
Exterior Material	Brick
Lot Area	18,992 sqft (0.435 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	42 sqft
Deck Area	644 sqft
Patio Area	644 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10178 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	45 WASHINGTON TWP ESTATES ONE SEC 2
Legal Subdivision	WASHINGTON TWP ESTATES
Legal Lot Number	14
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10178 CHERRY TREE TER, DAYTON, OH 45458-9429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 16, 2021	Survivorship Deed, Transfer · Conventional Mortgage AMERICAN MIDWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Mar 16, 2021 · Amount on Record
Deed Document Number	2022-00009251
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 11, 2022
Property Address	10178 CHERRY TREE TER, DAYTON, OH 45458-9429
Document Number	0000009251
Map Reference	MB 137 PG 5&5A
Instrument Date	Jan 6, 2022
Instrument	2022-00009251
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

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	10178 CHERRY TREE TER, DAYTON, OH 45458-9429

Mortgage

Document Number	0000009252
Date	Feb 11, 2022
Instrument	2022-00009252

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

March 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 16, 2021
Property Address	10178 CHERRY TREE TER, CENTERVILLE, OH 45458-9429
Document Number	0000021861
Map Reference	MB 137 PG 5&5A
Instrument Date	Jan 15, 2021
Instrument	2021-00021861
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	AGILITY CLOSING & TITLE SVCS

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	10178 CHERRY TREE TER, DAYTON, OH 45458-9429

Mortgage

Document Number	0000021862
Date	Mar 16, 2021
Instrument	2021-00021862

Lender

Name	AMERICAN MIDWEST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

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		$151,510 (-) Land $30,260 Building $121,250
2024	$10,135.00 (+8.66%)
2023	$9,327.00 (+5.22%)	$151,510 (+33%) Land $30,260 Building $121,250	$432,890 (+33%) Land $86,450 Building $346,440
2022	$8,864.00	$113,920 Land $22,750 Building $91,170
2020			$325,480 Land $65,000 Building $260,480

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 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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