Montgomery County property record for 10939 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,374 sqft · built 2010 |
| Lot Size | 1.24 acres (54,232 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $445,000 (Feb 2014) |
| Tax Bill | $15,670 (2024) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 22339 0005 |
| Primary APN | O67 22339 0005 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,374 sqft Living Area |
| 1st Floor Area | 2,029 sqft |
| Basement Area | 1,664 sqft |
| Finished Basement | 1,500 sqft |
| Unfinished Basement | 164 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 54,232 sqft (1.24 acres) |
| Garage Area | 608 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 244 sqft |
| Patio Area | 164 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10939 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE |
| Legal Subdivision | THE VILLAGES OF |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 40305 |
The current owner of 10939 Cold Spring Dr bought it in February 2014.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 10939 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2014 · Amount on File |
| Deed Sale | Feb 20, 2014 · Amount on File |
| Prior Sale | Nov 30, 2009 · Amount on File |
| Deed Document Number | 0000008851 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10939 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Title Company | LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC |
| Name | Verified Name |
|---|
| Document Number | 0000050449 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | 2021-00050449 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| County Subdivision | Washington Township |
| Unified School District | Centerville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $232,140 Land $49,500 Building $182,640 | ||
| 2024 | $15,670.00 (+8.57%) | ||
| 2023 | $14,433.00 (-20.72%) | $232,140 (-) Land $49,500 Building $182,640 | $663,260 Land $141,440 Building $521,820 |
| 2022 | $18,204.00 | $232,140 Land $49,500 Building $182,640 | |
| 2020 | $663,260 Land $141,440 Building $521,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10939 Cold Spring Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 risk around 10939 Cold Spring Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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