Montgomery County property record for 10976 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,385 sqft · built 2012 |
| Lot Size | 0.98 acres (42,732 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,000 (Oct 2011) |
| Tax Bill | $12,498 (2024) |
| Deeds & Mortgages | Jun 2022 Transfer Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 22339 0016 |
| Primary APN | O67 22339 0016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,385 sqft Living Area |
| 1st Floor Area | 2,385 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Family Room | Family Room |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 42,732 sqft (0.98 acres) |
| Garage Area | 1,230 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 413 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10976 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 16 THE SPRINGS @ THE VILLAGES OF WINDING CREEK SEC ONE |
| Legal Subdivision | THE VILLAGES OF |
| Legal Lot Number | 16 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40305 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10976 COLD SPRING DR, CENTERVILLE, OH 45458-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Transfer on Death Deed, Transfer |
| Apr 15, 2020 | Deed of Trust, Mortgage · Conventional with PMI DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2011 · Amount on Record |
| Deed Sale | Oct 21, 2011 · Amount on Record |
| Deed Document Number | 11-062987 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jun 30, 2022 |
| Property Address | 10976 COLD SPRING DR, DAYTON, OH 45458-4515 |
| Document Number | 0000040825 |
| Map Reference | MB 205 PG 12,12A&12B |
| Instrument Date | Jun 27, 2022 |
| Instrument | 2022-00040825 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10976 COLD SPRING DR, CENTERVILLE, OH 45458-4515 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10976 COLD SPRING DR, CENTERVILLE, OH 45458-4515 |
| Document Number | 0000023245 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10976 COLD SPRING DR DAYTON OH 454584515, DAYTON, OH 45458-4515 |
| Document Number | 0000023245 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 23245 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2050 |
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 | $184,850 (-) Land $43,260 Building $141,590 | ||
| 2024 | $12,498.00 (+8.56%) | ||
| 2023 | $11,513.00 (-20.68%) | $184,850 (-) Land $43,260 Building $141,590 | $528,150 (-) Land $123,610 Building $404,540 |
| 2022 | $14,514.00 | $184,850 Land $43,260 Building $141,590 | |
| 2020 | $528,150 Land $123,610 Building $404,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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