Montgomery County property record for 10963 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 4,900 sqft · built 2010 |
| Lot Size | 1.46 acres (63,903 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $79,900 (Nov 2009) |
| Tax Bill | $13,854 (2024) |
| Deeds & Mortgages | Jan 2020 Line of Credit Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 22339 0009 |
| Primary APN | O67 22339 0009 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,900 sqft Living Area |
| 1st Floor Area | 1,501 sqft |
| Attic Area | 578 sqft |
| Basement Area | 3,037 sqft |
| Finished Basement | 1,600 sqft |
| Unfinished Basement | 1,437 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 63,903 sqft (1.46 acres) |
| Garage Area | 230 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 42 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10963 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE |
| Legal Subdivision | THE VILLAGES OF |
| Legal Lot Number | 9 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 40305 |
The current owner of 10963 Cold Spring Dr bought it in November 2009.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 10963 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.
| Date | Document |
|---|---|
| Jan 16, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Oct 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2009 · Amount on File |
| Deed Sale | Nov 30, 2009 · Amount on File |
| Deed Document Number | 0000079753 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10963 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000012748 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10963 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000012748 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 12748 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 24, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10963 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000063144 |
| Instrument Date | Oct 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2017 |
| Title Company | LENDER LIVE SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10963 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 0000063144 |
|---|---|
| Date | Oct 23, 2017 |
| Instrument | 63144 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 22, 2027 |
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 | $204,990 Land $34,760 Building $170,230 | ||
| 2024 | $13,854.00 (+8.56%) | ||
| 2023 | $12,762.00 (-20.69%) | $204,990 (-) Land $34,760 Building $170,230 | $585,670 Land $99,300 Building $486,370 |
| 2022 | $16,092.00 | $204,990 Land $34,760 Building $170,230 | |
| 2020 | $585,670 Land $99,300 Building $486,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10963 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 10963 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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