10191 Atchison Rd, Dayton, OH 45458 Property Records

Montgomery County property record for 10191 Atchison Rd, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,056 sqft · built 1984
Lot Size	0.839 acres (36,590 sqft)
Owner	2 Trust Names on File
Last Sale	$422,000 (Aug 2021)
Tax Bill	$11,603 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 28101 0010`

Property Details

APN / Parcel Number

Primary APN	`O67 28101 0010`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,056 sqft Living Area
1st Floor Area	1,400 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	36,590 sqft
Lot Dimensions	212 ft deep x 172 ft wide
Terrain	Above Road/Slope
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Enclosed Porch
Porch Area	208 sqft
Deck Area	372 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10191 ATCHISON RD
City	DAYTON
State	OH
Zip	45458-9225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	84 POLO CLUB ESTATES SEC 3
Legal Subdivision	POLO CLUB ESTATES SEC 3
Legal Lot Number	10
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2006
Census Tract	40305

Owner

10191 Atchison Rd is owner-occupied and held in a trust since April 2025.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	10191 ATCHISON RD, DAYTON, OH 45458-9225
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Warranty Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Dec 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 26, 2021 · Amount on File
Deed Sale	Aug 26, 2021 · Amount on File
Prior Sale	Aug 26, 2021 · Amount on File
Deed Document Number	0000064525
Last Transfer Date	Apr 22, 2025
Transfer Doc	0000021702
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 26, 2021
Property Address	10191 ATCHISON RD, DAYTON, OH 45458-9225
Document Number	0000064525
Map Reference	MB 107 PG 15
Instrument Date	Jul 19, 2021
Instrument	2021-00064525
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	FIDELITY LAWYERS TTL AGCY LL

Transaction

Amount	Amount on Record
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	10191 ATCHISON RD, DAYTON, OH 45458-9225

Mortgage

Document Number	0000064554
Date	Aug 26, 2021
Instrument	2021-00064554

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10191 ATCHISON RD, DAYTON, OH 45458-9225
Document Number	0000002614
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 31, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10191 ATCHISON RD DAYTON OH 454589225, DAYTON, OH 45458-9225

Mortgage

Document Number	0000002614
Date	Jan 16, 2019
Instrument	2614

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2049

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		$173,470 Land $24,330 Building $149,140
2024	$11,603.00 (+8.66%)
2023	$10,678.00 (+9.97%)	$173,470 (+39.01%) Land $24,330 Building $149,140	$495,610 Land $69,500 Building $426,110
2022	$9,710.00	$124,790 Land $17,500 Building $107,290
2020			$356,550 Land $50,000 Building $306,550

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

FEMA maps place 10191 Atchison Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 10191 Atchison Rd is low, with less than a 0.01% annual chance of 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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