10927 Cold Spring Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 10927 Cold Spring Dr, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,878 sqft · built 2010
Lot Size	1.12 acres (48,874 sqft)
Owner	Individual Name on Record
Last Sale	$72,900 (Sep 2010)
Tax Bill	$11,517 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`O67-22339-0003`

Property Details

APN / Parcel Number

Primary APN	`O67-22339-0003`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,878 sqft Living Area
Gross Area	4,660 sqft
1st Floor Area	877 sqft
Basement Area	1,230 sqft
Finished Basement	1,230 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Lot Area	48,874 sqft (1.12 acres)
View / Lot	Major Commercial Strip
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	146 sqft
Patio Area	950 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10927 COLD SPRING DR
City	DAYTON
State	OH
Zip	45458-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE
Legal Subdivision	THE SPRINGS @ THE VILLAGES OF WINDING CR
Legal Lot Number	3
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	40305

Owner

Source: Montgomery County records, as of August 18, 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	10927 COLD SPRING DR, DAYTON, OH 45458-4514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2010 · Amount on Record
Deed Sale	Sep 29, 2010 · Amount on Record
Prior Sale	Sep 11, 2009 · Amount on Record
Deed Document Number	201059260
Last Transfer Date	May 1, 2025
Transfer Doc	0000027278
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 30, 2026
Property Address	10927 COLD SPRING DR, DAYTON, OH 45458-4514
Document Number	0000044905
Instrument Date	Jul 17, 2026
Instrument	202644905
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10927 COLD SPRING DR, DAYTON, OH 45458-4514

Mortgage

Document Number	0000044905,
Date	Jul 30, 2026
Instrument	202644905

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 17, 2036

Interest

Rate	6.47%
Max Rate	-1%

Tax Assessment & Valuation

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	$11,517.00	$170,100 (-) Land $46,790 Building $123,310	$486,010 (-) Land $133,690 Building $352,320
2024	$11,517.00 (+8.55%)
2023	$10,610.00 (-20.66%)	$170,100 (-) Land $46,790 Building $123,310	$486,010 (-) Land $133,690 Building $352,320
2022	$13,373.00	$170,100 Land $46,790 Building $123,310
2020			$486,010 Land $133,690 Building $352,320

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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