10909 Cold Spring Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 10909 Cold Spring Dr, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,176 sqft · built 2020
Lot Size	0.996 acres (43,429 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Nov 2019)
Tax Bill	$9,509 (2024)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 22339 0001`

Property Details

APN / Parcel Number

Primary APN	`O67 22339 0001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,176 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 2020
Architectural Style	Modern
Exterior Material	Combination
Construction Type	Frame
Lot Area	43,429 sqft (0.996 acres)
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Patio Area	652 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10909 COLD SPRING DR
City	DAYTON
State	OH
Zip	45458-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE
Legal Subdivision	THE VILLAGES OF
Legal Lot Number	1
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
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	Individual Name on Record
Mailing Address	10909 COLD SPRING DR, DAYTON, OH 45458-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 22, 2019	Warranty Deed, Subdivision Related Transfer UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	201900065776
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	10909 COLD SPRING DR, DAYTON, OH 45458-4514
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 COLD SPRING DR, DAYTON, OH 45458-4514

Mortgage

Document Number	0000007475
Date	Feb 10, 2023
Instrument	202300007475

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 14, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 22, 2019
Property Address	10909 COLD SPRING DR, DAYTON, OH 45458-4514
Document Number	0000065776
Instrument Date	Nov 22, 2019
Instrument	65776
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2019
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$276.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 LITTLEBURY LN CENTERVILLE OH 454586305, CENTERVILLE, OH 45458-6305

Mortgage

Document Number	65777
Date	Nov 22, 2019
Instrument	65777

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$137,380 (-) Land $43,970 Building $93,410
2024	$9,509.00 (+8.32%)
2023	$8,779.00 (-20.61%)	$137,380 (-) Land $43,970 Building $93,410	$392,500 (-) Land $125,620 Building $266,880
2022	$11,058.00	$137,380 Land $43,970 Building $93,410
2020			$392,500 Land $125,620 Building $266,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2013 · 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	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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