Montgomery County property record for 10989 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,279 sqft · built 2013 |
| Lot Size | 0.641 acres (27,922 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $593,700 (Oct 2014) |
| Tax Bill | $15,124 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | O67-22339-0040 |
| Primary APN | O67-22339-0040 |
|---|
| 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 | 5,279 sqft Living Area |
| Gross Area | 6,142 sqft |
| 1st Floor Area | 1,416 sqft |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Modern |
| Exterior Material | Brick |
| Lot Area | 27,922 sqft (0.641 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 863 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 293 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10989 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 40 THE SPRINGS AT THE VILLAGES OF WINDING CREEK SEC TWO |
| Legal Subdivision | THE SPRINGS AT THE VILLAGES OF WINDING C |
| Legal Lot Number | 40 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40305 |
10989 Cold Spring Dr is owner-occupied and held in a trust since August 2023.
Source: Montgomery County records, as of May 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10989 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 13, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2014 · Amount on File |
| Deed Sale | Oct 7, 2014 · Amount on File |
| Prior Sale | Jan 31, 2013 · Amount on File |
| Deed Document Number | 201453438 |
| Last Transfer Date | Aug 15, 2023 |
| Transfer Doc | 0000046923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10989 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10989 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000009184 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026-00009184 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 5, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 13, 2023 |
| Property Address | 10989 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000046923 |
| Map Reference | MB 217 PG 35-35A |
| Instrument Date | Aug 15, 2023 |
| Instrument | 202300046923 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10989 COLD SPRING DR, CENTERVILLE, OH 45458-4514 |
The 2025 property tax bill for 10989 Cold Spring Dr was $15,124.
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 | $15,124.00 | $224,930 Land $28,270 Building $196,660 | $642,660 Land $80,770 Building $561,890 |
| 2024 | $15,124.00 (+8.61%) | ||
| 2023 | $13,925.00 (-20.76%) | $224,930 (-) Land $28,270 Building $196,660 | $642,660 Land $80,770 Building $561,890 |
| 2022 | $17,573.00 | $224,930 Land $28,270 Building $196,660 | |
| 2020 | $642,660 Land $80,770 Building $561,890 |
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.
FEMA maps place 10989 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 10989 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 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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