Montgomery County property record for 1040 E Main St, Dayton, OH 45426
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,775 sqft · built 1962 |
| Lot Size | 10.5 acres (459,558 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $339,900 (Aug 2025) |
| Tax Bill | $5,588 (2024) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | H33 00416 0004 |
| Primary APN | H33 00416 0004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,775 sqft Living Area |
| 1st Floor Area | 2,283 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Lot Area | 459,558 sqft (10.5 acres) |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 252 sqft |
| Pole Barn | 864 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1040 E MAIN ST |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45426-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-4-14 4-16-27 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | TROTWOOD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 70600 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1040 E MAIN ST, DAYTON, OH 45426-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2023 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Apr 25, 2017 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2025 · Amount on Record |
| Deed Sale | Aug 5, 2025 · Amount on Record |
| Prior Sale | Apr 25, 2017 · Amount on Record |
| Deed Document Number | 2025-00041341 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 1040 E MAIN ST, DAYTON, OH 45426-2414 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000039617 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 202300039617 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Apr 25, 2017 |
| Property Address | 1040 E MAIN ST, DAYTON, OH 45426-2414 |
| Document Number | 0000024416 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 24416 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 E MAIN ST TROTWOOD OH 454262414, TROTWOOD, OH 45426-2414 |
| Document Number | 24417 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 24417 |
| Name | FIFTH THIRD MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 24, 2047 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Trotwood City |
| Unified School District | Trotwood-Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,670 (-) Land $49,410 Building $34,260 | ||
| 2024 | $5,588.00 (+2.19%) | ||
| 2023 | $5,468.00 (+8.19%) | $83,670 (+38.99%) Land $49,410 Building $34,260 | $239,060 (+39%) Land $141,170 Building $97,890 |
| 2022 | $5,054.00 | $60,200 Land $35,550 Building $24,650 | |
| 2020 | $171,990 Land $101,560 Building $70,430 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2011 · rainfall accumulation |
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TROTWOOD CITY PWS serves 9,000 people · EPA ID OH5702403 |
|---|---|
| Water Source | Purchased surface water from DAYTON PUBLIC WATER SYSTEM |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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