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10971 Cold Spring Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 10971 Cold Spring Dr, Dayton, OH 45458

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,195 sqft · built 2010
Lot Size1.12 acres (49,005 sqft)
Owner2 Individual Names on Record
Last Sale$670,000 (Jan 2020)
Tax Bill$15,338 (2024)
Deeds & MortgagesJan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNO67 22339 0010

Property Details

APN / Parcel Number

Primary APNO67 22339 0010

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Plumbing Fixtures15 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area3,195 sqft Living Area
1st Floor Area3,195 sqft
Basement Area1,600 sqft
Finished Basement1,600 sqft

Exterior

Year BuiltBuilt 2010
Architectural StyleRanch
Exterior MaterialCombination
Construction TypeFrame
Lot Area49,005 sqft (1.12 acres)
Garage Area713 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area669 sqft
Deck Area280 sqft
Patio Area391 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address10971 COLD SPRING DR
CityDAYTON
StateOH
Zip45458-4514
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description10 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE
Legal SubdivisionTHE VILLAGES OF
Legal Lot Number10
JurisdictionMONTGOMERY OH
Township / Civil DivisionWASHINGTON
Census Block Group1
Census Block1000
Census Tract40305

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 Record2 Individual Names on Record
Mailing Address10971 COLD SPRING DR, DAYTON, OH 45458-4514
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 27, 2020 · Amount on Record
Deed SaleJan 27, 2020 · Amount on Record
Prior SaleJun 23, 2011
Deed Document Number0000006148
Record UpdatedJun 8, 2026

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONTGOMERY OH
Recording DateJan 27, 2020
Property Address10971 COLD SPRING DR, DAYTON, OH 45458-4514
Document Number0000006148
Instrument DateJan 23, 2020
Instrument6148
Transaction TypeTransfer
Record UpdatedFeb 20, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,000.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10971 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514

Mortgage

Document Number6155
DateJan 27, 2020
Instrument6155
Lender
NameHUNTINGTON NAT'L BK
TypeBank
AddressCOLUMBUS, OH 43235
Agreement
AmountAmount Recorded
Term360 Months
DueJan 26, 2050
Interest
Rate TypeAdjustable Rate
Rate2.95%

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
County SubdivisionWashington Township
Unified School DistrictCenterville City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$227,340 (-) Land $46,860 Building $180,480
2024$15,338.00 (+8.58%)
2023$14,126.00 (-20.72%)$227,340 (-) Land $46,860 Building $180,480$649,540 (-) Land $133,880 Building $515,660
2022$17,817.00$227,340 Land $46,860 Building $180,480
2020$649,540 Land $133,880 Building $515,660

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2013)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 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 RiskLow
lower than 95% of the US · lower than 78% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemMONTGOMERY COUNTY WATER SERVICES 1 PWS
serves 150,207 people · EPA ID OH5701315
Water SourcePurchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State InspectionJan 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and ReportingNone
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

ProviderMax 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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