10181 Atchison Rd, Dayton, OH 45458 Property Records

Montgomery County property record for 10181 Atchison Rd, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,100 sqft · built 1987
Lot Size	0.569 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Feb 2019)
Tax Bill	$9,368 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`O67 28102 0006`

Property Details

APN / Parcel Number

Primary APN	`O67 28102 0006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,100 sqft Living Area
1st Floor Area	1,420 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Modern
Exterior Material	Combination
Construction Type	Frame
Lot Area	24,829 sqft
Lot Dimensions	210 ft deep x 118 ft wide
Garage Area	710 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	587 sqft
Porch	Open Porch
Porch Area	424 sqft
Deck Area	384 sqft
Patio Area	136 sqft
Canopy	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10181 ATCHISON RD
City	DAYTON
State	OH
Zip	45458-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	85 POLO CLUB ESTATES SEC 3
Legal Subdivision	POLO CLUB ESTATES SEC 3
Legal Lot Number	6
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2006
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	10181 ATCHISON RD, DAYTON, OH 45458-9225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 7, 2019	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS
Feb 7, 2019	Warranty Deed, Transfer UNION SVGS
Jul 31, 2017	Warranty Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2019 · Amount on Record
Deed Sale	Feb 7, 2019 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	201700044708
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10181 ATCHISON RD, DAYTON, OH 45458-9225
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019078
Date	Mar 8, 2021
Instrument	2021-00019078

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10181 ATCHISON RD, DAYTON, OH 45458-9225
Document Number	0000031802
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10181 ATCHISON RD DAYTON OH 454589225, DAYTON, OH 45458-9225

Mortgage

Document Number	0000031802
Date	Jun 20, 2019
Instrument	31802

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 19, 2034

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 7, 2019
Property Address	10181 ATCHISON RD, DAYTON, OH 45458-9225
Document Number	0000006884
Instrument Date	Jan 28, 2019
Instrument	6884
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
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	10181 ATCHISON RD DAYTON OH 454589225, DAYTON, OH 45458-9225

Mortgage

Document Number	6886
Date	Feb 7, 2019
Instrument	6886

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 31, 2017
Property Address	10181 ATCHISON RD, DAYTON, OH 45458-9225
Document Number	0000044708
Instrument Date	Jul 26, 2017
Instrument	44708
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.00
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	10181 ATCHISON RD WASHINGTON TOWNSHIP OH 454589225, WASHINGTON TOWNSHIP, OH 45458-9225

Mortgage

Document Number	44709
Date	Jul 31, 2017
Instrument	44709

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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		$140,010 (-) Land $24,330 Building $115,680
2024	$9,368.00 (+8.65%)
2023	$8,622.00 (+2.97%)	$140,010 (+30.16%) Land $24,330 Building $115,680	$400,010 (+30.15%) Land $69,500 Building $330,510
2022	$8,373.00	$107,570 Land $17,500 Building $90,070
2020			$307,340 Land $50,000 Building $257,340

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
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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