10283 Cherry Tree Ter, Dayton, OH 45458 Property Records

Montgomery County property record for 10283 Cherry Tree Ter, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,795 sqft · built 1989
Lot Size	1 acres (43,691 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (May 2016)
Tax Bill	$9,037 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O67-28804-0008`

Property Details

APN / Parcel Number

Primary APN	`O67-28804-0008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,795 sqft Living Area
Gross Area	3,433 sqft
1st Floor Area	1,131 sqft
Basement Area	437 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Lot Area	43,691 sqft (1 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	192 sqft
Deck Area	192 sqft
Patio Area	616 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10283 CHERRY TREE TER
City	DAYTON
State	OH
Zip	45458-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36 WASHINGTON TWP ESTATES ONE SEC 2
Legal Subdivision	WASHINGTON TWP ESTATES ONE
Legal Lot Number	8
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2000
Census Tract	40305

Owner

10283 Cherry Tree Ter is owned and occupied by two individuals who bought it in May 2016.

Source: Montgomery County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10283 CHERRY TREE TER, DAYTON, OH 45458-9431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION
May 4, 2023	Deed of Trust, Mortgage WRIGHT-PATT CREDIT UNION INC
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2016 · Amount on File
Deed Sale	May 26, 2016 · Amount on File
Deed Document Number	201627011
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 1, 2026
Property Address	10283 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000052745
Instrument Date	Aug 13, 2026
Instrument	202652745
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10283 CHERRY TREE TER, DAYTON, OH 45458-9431

Mortgage

Document Number	0000052745,
Date	Sep 1, 2026
Instrument	202652745

Lender

Name	WRIGHT-PATT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 25, 2051

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10283 CHERRY TREE TER, DAYTON, OH 45458-9431
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022590
Date	May 4, 2023
Instrument	202300022590

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10283 CHERRY TREE TER, DAYTON, OH 45458-9431
Document Number	0000076936
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10283 CHERRY TREE TER DAYTON OH 454589431, DAYTON, OH 45458-9431

Mortgage

Document Number	0000076936
Date	Dec 18, 2020
Instrument	76936

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 17, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 10283 Cherry Tree Ter was $9,037.

Source: Montgomery County assessment roll, as of December 30, 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	$9,037.00	$135,070 Land $30,260 Building $104,810	$385,900 Land $86,450 Building $299,450
2024	$9,037.00 (+8.66%)
2023	$8,317.00 (+5.23%)	$135,070 (+33.01%) Land $30,260 Building $104,810	$385,900 Land $86,450 Building $299,450
2022	$7,904.00	$101,550 Land $22,750 Building $78,800
2020			$290,150 Land $65,000 Building $225,150

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 10283 Cherry Tree Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10283 Cherry Tree Ter 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 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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