Montgomery County property record for 10954 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 6,492 sqft · built 2013 |
| Lot Size | 0.966 acres (42,079 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $11,333 (Feb 2022) |
| Tax Bill | $16,851 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O67-22339-0012 |
| Primary APN | O67-22339-0012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 6,492 sqft Living Area |
| Gross Area | 7,396 sqft |
| 1st Floor Area | 1,526 sqft |
| Basement Area | 2,000 sqft |
| Finished Basement | 2,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Modern |
| Exterior Material | Brick |
| Lot Area | 42,079 sqft (0.966 acres) |
| View / Lot | Major Commercial Strip |
| Garage Type | Attached |
| Garage Area | 904 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 300 sqft |
| Patio Area | 900 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10954 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE |
| Legal Subdivision | THE SPRINGS @ THE VILLAGES OF WINDING CR |
| Legal Lot Number | 12 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40305 |
10954 Cold Spring Dr is owned and occupied by two individuals who bought it in February 2022.
Source: Montgomery County records, as of December 30, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Feb 10, 2022 | Intrafamily Transfer, Transfer |
| Aug 16, 2019 | Quit Claim Deed, Transfer THIRD TITLE AGENCY INC, TRIAD TITLE AGCY INC |
| Jun 24, 2019 | Deed of Trust, Mortgage FIRST FIN'L BK&TR |
| Apr 9, 2018 | Deed of Trust, Mortgage NORTHPOINTE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on File |
| Deed Sale | Feb 10, 2022 · Amount on File |
| Prior Sale | Apr 2, 2013 · Amount on File |
| Deed Document Number | 20229126 |
| Prior Transfer Date | Jan 25, 2022 |
| Prior Transfer Doc | 0000009126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001553 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021-00001553 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 10, 2022 |
| Property Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Document Number | 0000009126 |
| Map Reference | MB 205 PG 12,12A&12B |
| Instrument Date | Jan 25, 2022 |
| Instrument | 2022-00009126 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 10954 COLD SPRING DR, CENTERVILLE, OH 45458-4515 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 16, 2019 |
| Property Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Document Number | 0000043991 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 43991 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2019 |
| Title Company | THIRD TITLE AGENCY INC, TRIAD TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10954 COLD SPRING DR CENTERVILLE OH 454584515, CENTERVILLE, OH 45458-4515 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Document Number | 0000035022 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2019 |
| Title Company | THIRD TITLE AGENCY INC, TRIAD TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10954 COLD SPRING DR CENTERVILLE OH 454584515, CENTERVILLE, OH 45458-4515 |
| Document Number | 0000035022 |
|---|---|
| Date | Jul 9, 2019 |
| Instrument | 35022 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45246 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10954 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Document Number | 0000021271 |
| Instrument Date | Apr 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2018 |
| Title Company | THIRD TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10954 COLD SPRING DR DAYTON OH 454584515, DAYTON, OH 45458-4515 |
| Document Number | 0000021271 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 21271 |
| Name | NORTHPOINTE BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
Source: Montgomery County assessment roll, as of December 30, 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 | $249,640 Land $42,600 Building $207,040 | $713,270 Land $121,720 Building $591,550 | |
| 2024 | $16,851.00 (+8.77%) | ||
| 2023 | $15,492.00 (-20.73%) | $249,640 (-) Land $42,600 Building $207,040 | $713,270 Land $121,720 Building $591,550 |
| 2022 | $19,543.00 | $249,640 Land $42,600 Building $207,040 | |
| 2020 | $713,270 Land $121,720 Building $591,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10954 Cold Spring Dr in Zone X, an area of minimal flood risk, within 500 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 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 risk around 10954 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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