1123 Waters Edge Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 1123 Waters Edge Dr, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,083 sqft · built 1998
Lot Size	0.694 acres (30,231 sqft)
Owner	2 Individual Names on File
Last Sale	$781,000 (Aug 2026)
Tax Bill	$13,676 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O68-01817-0005`

Property Details

APN / Parcel Number

Primary APN	`O68-01817-0005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,083 sqft Living Area
Gross Area	4,670 sqft
1st Floor Area	1,198 sqft
Basement Area	360 sqft
Family Room	Family Room
Game Room	Game Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modern
Exterior Material	Brick
Lot Area	30,231 sqft (0.694 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	35 sqft
Patio Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1123 WATERS EDGE DR
City	DAYTON
State	OH
Zip	45458-3940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 178 YANKEE TRACE SEC EIGHT
Legal Subdivision	YANKEE TRACE SEC 8
Legal Lot Number	178
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1015
Census Tract	40406

Owner

1123 Waters Edge Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Montgomery County records, as of August 21, 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 Individual Names on File
Mailing Address	1123 WATERS EDGE DR, DAYTON, OH 45458-3940
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 1, 2017	Warranty Deed, Transfer SIRVA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Sep 1, 2017 · Amount on File
Deed Document Number	202645423
Prior Transfer Date	Sep 28, 2001
Prior Transfer Doc	0107000010
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	1123 WATERS EDGE DR, DAYTON, OH 45458-3940
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033577
Date	May 4, 2021
Instrument	2021-00033577

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 1, 2017
Property Address	1123 WATERS EDGE DR, DAYTON, OH 45458-3940
Document Number	0000051867
Instrument Date	Aug 30, 2017
Instrument	51867
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1123 WATERS EDGE DR CENTERVILLE OH 454583940, CENTERVILLE, OH 45458-3940

Mortgage

Document Number	51868
Date	Sep 1, 2017
Instrument	51868

Lender

Name	SIRVA MTG
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1123 Waters Edge Dr was $13,676, down 0.2% from the year before.

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Municipality	Centerville City
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,676.00 (-0.16%)	$206,700 Land $35,000 Building $171,700	$590,570 Land $100,000 Building $490,570
2024	$13,698.00 (+8.94%)
2023	$12,574.00 (-2%)	$206,700 (-) Land $35,000 Building $171,700	$590,570 Land $100,000 Building $490,570
2022	$15,718.00	$206,700 Land $35,000 Building $171,700
2020			$590,570 Land $100,000 Building $490,570

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

FEMA maps place 1123 Waters Edge Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2006–2025)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2025 · river or lake flooding

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

Wildfire risk around 1123 Waters Edge 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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