10592 Eby Rd, Germantown, OH 45327 Property Records

Montgomery County property record for 10592 Eby Rd, Germantown, OH 45327

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1998
Lot Size	0.361 acres (15,725 sqft)
Owner	Individual Name on File
Last Sale	$256,000 (May 2026)
Tax Bill	$2,911 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D14-00912-0032`

Property Details

APN / Parcel Number

Primary APN	`D14-00912-0032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,725 sqft (0.361 acres)
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	7 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10592 EBY RD
City	GERMANTOWN
State	OH
Zip	45327-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-2-30
Legal Subdivision	PANORAMA SEC 04
Legal Lot Number	32
Jurisdiction	MONTGOMERY OH
Township / Civil Division	GERMAN
Census Block Group	1
Census Block	1021
Census Tract	160100

Owner

Source: Montgomery County records · APN D14-00912-0032

Assessment roll updated December 30, 2025 · Last verified June 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 File
Mailing Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage MYCUMORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Deed Document Number	202628457
Prior Transfer Date	Feb 27, 2026
Prior Transfer Doc	0000028457
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 12, 2026
Property Address	10592 EBY RD, GERMANTOWN, OH 45327-9719
Document Number	0000028457
Instrument Date	Feb 27, 2026
Instrument	2026.28457
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	PROMINENCE TITLE, PROMINENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$77,568.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0000028458,
Date	May 12, 2026
Instrument	2026.28458

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10592 EBY RD, GERMANTOWN, OH 45327-9719
Document Number	0000078692
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10592 EBY RD GERMANTOWN OH 453279719, GERMANTOWN, OH 45327-9719

Mortgage

Document Number	0000078692
Date	Dec 29, 2020
Instrument	78692

Lender

Name	MYCUMORTGAGE
Type	Mortgage Company
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2035

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated December 30, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	German Township
Unified School District	Valley View Local School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,911.00	$51,230 (-) Land $7,320 Building $43,910	$146,370 (-) Land $20,900 Building $125,470
2024	$2,911.00 (+9.6%)
2023	$2,656.00 (+8.59%)	$51,230 (+32.17%) Land $7,320 Building $43,910	$146,370 (+32.17%) Land $20,900 Building $125,470
2022	$2,446.00	$38,760 Land $5,540 Building $33,220
2020			$110,740 Land $15,830 Building $94,910

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 49 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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