Montgomery County property record for 10995 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,938 sqft · built 2015 |
| Lot Size | 0.623 acres (27,138 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $925,000 (Jan 2020) |
| Tax Bill | $18,931 (2024) |
| Deeds & Mortgages | May 2022 Transfer Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 22339 0039 |
| Primary APN | O67 22339 0039 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,938 sqft Living Area |
| 1st Floor Area | 1,090 sqft |
| Basement Area | 3,503 sqft |
| Finished Basement | 1,889 sqft |
| Unfinished Basement | 1,614 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Architectural Style | Modern |
| Exterior Material | Brick |
| Lot Area | 27,138 sqft (0.623 acres) |
| Garage Area | 832 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 612 sqft |
| Patio Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10995 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 39 THE SPRINGS AT THE VILLAGES OF WINDING CREEK SEC TWO |
| Legal Subdivision | THE VILLAGES OF |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 10995 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2022 | Intrafamily Transfer, Transfer |
| Jan 28, 2020 | Warranty Deed, Transfer WESBANCO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 28, 2020 · Amount on Record |
| Deed Sale | Jan 28, 2020 · Amount on Record |
| Prior Sale | Jan 28, 2020 · Amount on Record |
| Deed Document Number | 0000006802 |
| Last Transfer Date | May 17, 2022 |
| Transfer Doc | 0000032323 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | May 17, 2022 |
| Property Address | 10995 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000032323 |
| Map Reference | MB 217 PG 35&35A |
| Instrument Date | Apr 27, 2022 |
| Instrument | 2022-00032323 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10995 COLD SPRING DR, 10995, DAYTON, OH 45458-4514 |
| Name | Verified Name |
|---|---|
| Address | 10995 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 28, 2020 |
| Property Address | 10995 COLD SPRING DR, DAYTON, OH 45458-4514 |
| Document Number | 0000006802 |
| Instrument Date | Jan 24, 2020 |
| Instrument | 6802 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2020 |
| Title Company | HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,775.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10995 COLD SPRING DR DAYTON OH 454584514, DAYTON, OH 45458-4514 |
| Document Number | 6803 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 6803 |
| Name | WESBANCO BK |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
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 | $302,250 (-) Land $27,480 Building $274,770 | ||
| 2024 | $18,931.00 (+7.87%) | ||
| 2023 | $17,550.00 (-21.01%) | $302,250 (-) Land $27,480 Building $274,770 | $863,550 (-) Land $78,500 Building $785,050 |
| 2022 | $22,217.00 | $302,250 Land $27,480 Building $274,770 | |
| 2020 | $863,550 Land $78,500 Building $785,050 |
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.
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.
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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