10251 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10251 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,973 sqft · built 1989
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jan 2020)
Tax Bill	$9,368 (2024)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`O67 28804 0004`

Property Details

APN / Parcel Number

Primary APN	`O67 28804 0004`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,973 sqft Living Area
1st Floor Area	3,066 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2018
Architectural Style	Modern
Exterior Material	Brick
Lot Area	19,820 sqft (0.455 acres)
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Porch
Porch Area	40 sqft
Deck Area	810 sqft
Patio Area	810 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10251 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32 WASHINGTON TWP ESTATES ONE SEC 2
Legal Subdivision	WASHINGTON TWP ESTATES
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Jan 3, 2020	Warranty Deed, Transfer · Conventional with PMI UNION SVGS
Dec 17, 2018	Grant Deed, Construction Loan · Construction Mortgage RCN CAP
Aug 3, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on Record
Deed Sale	Jan 3, 2020 · Amount on Record
Prior Sale	Dec 17, 2018 · Amount on Record
Deed Document Number	2020-00000263
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431

Mortgage

Document Number	0000051672
Date	Jul 9, 2021
Instrument	2021-00051672

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000069661
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10251 CHERRY TREE TER DAYTON OH 454589431, DAYTON, OH 45458-9431

Mortgage

Document Number	0000069661
Date	Nov 18, 2020
Instrument	69661

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 17, 2040

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 3, 2020
Property Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000000263
Instrument Date	Dec 9, 2019
Instrument	263
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10251 CHERRY TREE TER DAYTON OH 454589431, DAYTON, OH 45458-9431

Mortgage

Document Number	275
Date	Jan 3, 2020
Instrument	275

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2050

December 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 17, 2018
Property Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000073151
Instrument Date	Dec 5, 2018
Instrument	73151
Transaction Type	Construction Loan
Record Updated	Jan 7, 2019
Title Company	PREMIUM TITLE INC, PREMIUM TITLE SVC INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$799.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425C TREAT BLVD #297 CONCORD CA 945213552, 297, CONCORD, CA 94521-3552

Mortgage

Document Number	73152
Date	Dec 17, 2018
Instrument	73152

Lender

Name	RCN CAP
Type	Funding / Finance Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Dec 16, 2020

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 3, 2018
Property Address	10251 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000045485
Instrument Date	Aug 1, 2018
Instrument	45485
Transaction Type	Foreclosure
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,080.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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		$140,000 (-) Land $30,260 Building $109,740
2024	$9,368.00 (+8.66%)
2023	$8,621.00 (-20.84%)	$140,000 (-) Land $30,260 Building $109,740	$400,000 (-) Land $86,450 Building $313,550
2022	$10,890.00	$140,000 Land $22,750 Building $117,250
2020			$400,000 Land $65,000 Building $335,000

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 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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