10951 Cold Spring Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 10951 Cold Spring Dr, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,054 sqft · built 2009
Lot Size	1.27 acres (55,321 sqft)
Owner	Individual Name on Record
Last Sale	$860,000 (Nov 2024)
Tax Bill	$10,875 (2024)
Deeds & Mortgages	Nov 2024 Sale & Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`O67 22339 0007`

Property Details

APN / Parcel Number

Primary APN	`O67 22339 0007`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,054 sqft Living Area
1st Floor Area	1,262 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	55,321 sqft (1.27 acres)
Garage Type	Detached
Garage Area	1,512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	276 sqft
Deck Area	120 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10951 COLD SPRING DR
City	DAYTON
State	OH
Zip	45458-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE
Legal Subdivision	THE VILLAGES OF
Legal Lot Number	7
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
Co-owner	Co-owner on Record
Mailing Address	10951 COLD SPRING DR, DAYTON, OH 45458-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2024 · Amount on Record
Deed Sale	Nov 4, 2024 · Amount on Record
Prior Sale	Jun 16, 2009 · Amount on Record
Deed Document Number	2024-00059294
Record Updated	Sep 20, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 4, 2024
Property Address	10951 COLD SPRING DR, DAYTON, OH 45458-4514
Document Number	0000059294
Map Reference	MB 205 PG 12,12A&12B
Instrument Date	Oct 25, 2024
Instrument	2024-00059294
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	RED LETTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10951 COLD SPRING DR, DAYTON, OH 45458-4514

Mortgage

Document Number	0000059295
Date	Nov 4, 2024
Instrument	2024-00059295

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

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		$160,320 (-) Land $50,050 Building $110,270
2024	$10,875.00 (+6.43%)
2023	$10,218.00 (-20.65%)	$160,320 (-) Land $50,050 Building $110,270	$458,070 (-) Land $143,010 Building $315,060
2022	$12,877.00	$160,320 Land $50,050 Building $110,270
2020			$458,070 Land $143,010 Building $315,060

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.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

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.

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 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