104 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 104 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,508 sqft · built 1895
Lot Size	0.148 acres (6,451 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Aug 2025)
Tax Bill	$3,524 (2024)
Deeds & Mortgages	Jan 2017 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (reduced by levee)
APN	`K48-00102-0041`

Property Details

APN / Parcel Number

Primary APN	`K48-00102-0041`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,508 sqft Living Area
1st Floor Area	628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 2015
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	6,451 sqft (0.148 acres)
Lot Dimensions	150 ft deep x 43 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	228 sqft
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1457
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	263
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	41
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2030
Census Tract	50301

Owner

Source: Montgomery County records, as of December 30, 2025

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	Individual Name on Record
Mailing Address	104 E COTTAGE AVE, DAYTON, OH 45449-1457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2017	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK
Jan 5, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Jan 5, 2017 · Amount on Record
Deed Document Number	202544903
Prior Transfer Date	Jul 26, 2016
Prior Transfer Doc	0000000581
Record Updated	Sep 20, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 5, 2017
Property Address	104 E COTTAGE AVE, DAYTON, OH 45449-1457
Document Number	0000000580
Instrument Date	Dec 29, 2016
Instrument	580
Transaction Type	Transfer
Record Updated	Jan 24, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E COTTAGE AVE WEST CARROLLTON OH 454491457, WEST CARROLLTON, OH 45449-1457

Mortgage

Document Number	583,
Date	Jan 5, 2017
Instrument	583

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 4, 2032

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 5, 2017
Property Address	104 E COTTAGE AVE, DAYTON, OH 45449-1457
Document Number	0000000581
Instrument Date	Jul 26, 2016
Instrument	581
Transaction Type	Transfer
Record Updated	Jan 24, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6408 CARNATION RD DAYTON OH 454493056, DAYTON, OH 45449-3056

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$49,300 (-) Land $6,400 Building $42,900	$140,850 (-) Land $18,290 Building $122,560
2024	$3,524.00 (+5.73%)
2023	$3,333.00 (+10.73%)	$49,300 (+41.87%) Land $6,400 Building $42,900	$140,850 (+41.86%) Land $18,290 Building $122,560
2022	$3,010.00	$34,750 Land $4,510 Building $30,240
2020			$99,290 Land $12,880 Building $86,410

Assessed value is set for property tax purposes, not a market price estimate; it is 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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1989–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020 · other causes

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Frontier.

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