Montgomery County property record for 10998 Cold Spring Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,359 sqft · built 2012 |
| Lot Size | 0.779 acres (33,933 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Sep 2012) |
| Tax Bill | $12,426 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O67-22339-0018 |
| Primary APN | O67-22339-0018 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,359 sqft Living Area |
| Gross Area | 5,227 sqft |
| 1st Floor Area | 2,859 sqft |
| Basement Area | 1,500 sqft |
| Finished Basement | 1,500 sqft |
| Family Room | Family Room |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 33,933 sqft (0.779 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 868 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 290 sqft |
| Deck Area | 90 sqft |
| Patio Area | 325 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10998 COLD SPRING DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-4519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18 THE SPRINGS AT THE VILLAGES OF WINDING CREEK SEC TWO |
| Legal Subdivision | THE SPRINGS AT THE VILLAGES OF WINDING C |
| Legal Lot Number | 18 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40305 |
Source: Montgomery County records, as of October 8, 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 | 10998 COLD SPRING DR, DAYTON, OH 45458-4519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional with PMI TCF NAT'L BK |
| Feb 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2012 · Amount on Record |
| Deed Sale | Sep 17, 2012 · Amount on Record |
| Deed Document Number | 201259892 |
| Last Transfer Date | Jan 27, 2017 |
| Transfer Doc | 0000007433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 11, 2026 |
| Property Address | 10998 COLD SPRING DR, DAYTON, OH 45458-4519 |
| Document Number | 0000054700 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202654700 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 10998 COLD SPRING DR, DAYTON, OH 45458-4519 |
| Document Number | 0000054700, |
|---|---|
| Date | Sep 11, 2026 |
| Instrument | 202654700 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 10998 COLD SPRING DR, DAYTON, OH 45458-4519 |
| Document Number | 0000060960 |
| Instrument Date | Oct 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10998 COLD SPRING DR DAYTON OH 454584519, DAYTON, OH 45458-4519 |
| Document Number | 0000060960 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 60960 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 3, 2017 |
| Property Address | 10998 COLD SPRING DR, DAYTON, OH 45458-4519 |
| Document Number | 0000007433 |
| Instrument Date | Jan 27, 2017 |
| Instrument | 7433 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10998 COLD SPRING DR CENTERVILLE OH 454584519, CENTERVILLE, OH 45458-4519 |
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 | $12,426.00 | $184,510 (-) Land $34,350 Building $150,160 | $527,170 (-) Land $98,150 Building $429,020 |
| 2024 | $12,426.00 (+8.59%) | ||
| 2023 | $11,443.00 (-20.73%) | $184,510 (-) Land $34,350 Building $150,160 | $527,170 (-) Land $98,150 Building $429,020 |
| 2022 | $14,436.00 | $184,510 Land $34,350 Building $150,160 | |
| 2020 | $527,170 Land $98,150 Building $429,020 |
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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