Montgomery County property record for 1019 Gardner Rd, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,863 sqft · built 1956 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,531 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-01204-0076 |
| Primary APN | N64-01204-0076 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,863 sqft Living Area |
| Gross Area | 2,187 sqft |
| 1st Floor Area | 1,242 sqft |
| Basement Area | 621 sqft |
| Finished Basement | 621 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,601 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 192 sqft |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1019 GARDNER RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-4521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 76 ROSELAND TER 2 |
| Legal Subdivision | ROSELAND TER 2 |
| Legal Lot Number | 76 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20700 |
Source: Montgomery County records, as of September 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION |
| Jul 1, 2022 | Survivorship Deed, Transfer · VA Mortgage WRIGHT-PATT CREDIT UNION INC |
| Aug 12, 2020 | Warranty Deed, Transfer · VA Mortgage GOLD FIN'L SVCS |
| Sep 27, 2017 | Warranty Deed, Transfer · VA Mortgage UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2022 |
| Deed Sale | Jul 1, 2022 |
| Prior Sale | Aug 12, 2020 · Amount on Record |
| Deed Document Number | 202240973 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 18, 2026 |
| Property Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Document Number | 0000056041 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202656041 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Investor | Possibly a Property Investor |
| Document Number | 0000056041, |
|---|---|
| Date | Sep 18, 2026 |
| Instrument | 202656041 |
| Name | WRIGHT-PATT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 1, 2022 |
| Property Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Document Number | 0000040973 |
| Map Reference | MB GG PG 33 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 2022-00040973 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | TEXAS NATIONAL TITLE, TNTA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Investor | Possibly a Property Investor |
| Document Number | 0000040974 |
|---|---|
| Date | Jul 1, 2022 |
| Instrument | 2022-00040974 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 12, 2020 |
| Property Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Document Number | 0000046583 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 46583 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1019 GARDNER RD DAYTON OH 454294521, DAYTON, OH 45429-4521 |
| Document Number | 46611 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 46611 |
| Name | GOLD FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | HOUSTON, TX 77036 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 27, 2017 |
| Property Address | 1019 GARDNER RD, DAYTON, OH 45429-4521 |
| Document Number | 0000057318 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 57318 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2017 |
| Title Company | VANTAGE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $479.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1019 GARDNER RD KETTERING OH 454294521, KETTERING, OH 45429-4521 |
| Document Number | 57319 |
|---|---|
| Date | Sep 27, 2017 |
| Instrument | 57319 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2047 |
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,531.00 (-0.2%) | $86,930 (-) Land $15,440 Building $71,490 | $248,370 (-) Land $44,120 Building $204,250 |
| 2024 | $5,542.00 (+2.93%) | ||
| 2023 | $5,384.00 (+8.97%) | $86,930 (+37.81%) Land $15,440 Building $71,490 | $248,370 (+37.81%) Land $44,120 Building $204,250 |
| 2022 | $4,941.00 | $63,080 Land $11,190 Building $51,890 | |
| 2020 | $180,220 Land $31,970 Building $148,250 |
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.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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