Montgomery County property record for 10945 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,466 sqft · built 2010 |
| Lot Size | 1.27 acres (55,365 sqft) |
| Owner | Owner Name on File |
| Last Sale | $645,000 (Jan 2013) |
| Tax Bill | $17,300 (2024) |
| Deeds & Mortgages | Sep 2020 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 22339 0006 |
| Primary APN | O67 22339 0006 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,466 sqft Living Area |
| 1st Floor Area | 973 sqft |
| Attic Area | 672 sqft |
| Basement Area | 3,016 sqft |
| Finished Basement | 1,588 sqft |
| Unfinished Basement | 1,428 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Modern |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 55,365 sqft (1.27 acres) |
| Garage Area | 958 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 484 sqft |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10945 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE |
| Legal Subdivision | THE VILLAGES OF |
| Legal Lot Number | 6 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 40305 |
Source: Montgomery County records · APN O67 22339 0006
Assessment roll updated January 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 10945 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 19, 2020 | Deed of Trust, Mortgage · Line of Credit CENTURY FCU |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK |
| Dec 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Nov 07, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/WSTN OH |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2013 · Amount on Record |
| Deed Sale | Jan 29, 2013 · Amount on Record |
| Deed Document Number | 2013-00006166 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10945 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000056323 |
| Instrument Date | Sep 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Address | 10945 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000056323 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 56323 |
| Name | CENTURY FCU |
|---|---|
| Type | Credit Union |
| Address | CLEVELAND, OH 44199 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 21, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10945 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000026102 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC |
| Name | Verified Name |
|---|---|
| Address | 10945 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000026102 |
|---|---|
| Date | May 06, 2020 |
| Instrument | 26102 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 05, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10945 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000004452 |
| Instrument Date | Dec 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10945 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000004452 |
|---|---|
| Date | Jan 25, 2019 |
| Instrument | 4452 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10945 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000074572 |
| Instrument Date | Nov 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10945 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000074572 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 74572 |
| Name | FIFTH THIRD BK/WSTN OH |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
Source: Montgomery County records · Assessment roll updated January 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| County Subdivision | Washington Township |
| Unified School District | Centerville City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $256,560 (-) Land $50,070 Building $206,490 | ||
| 2024 | $17,300.00 (+8.58%) | ||
| 2023 | $15,933.00 (-19.47%) | $256,560 (+1.58%) Land $50,070 Building $206,490 | $733,050 (+1.58%) Land $143,070 Building $589,980 |
| 2022 | $19,784.00 | $252,570 Land $50,070 Building $202,500 | |
| 2020 | $721,630 Land $143,070 Building $578,560 |
Source: FEMA National Flood Hazard Layer as of June 21, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Point Broadband Fiber Holding Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 206 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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