115 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 115 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,374 sqft · built 1913
Lot Size	0.141 acres (6,151 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Sep 2019)
Tax Bill	$3,257 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`K48 00102 0035`

Property Details

APN / Parcel Number

Primary APN	`K48 00102 0035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,374 sqft Living Area
1st Floor Area	420 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Deck Area	104 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	115 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	257
Legal Lot Number	35
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1043
Census Tract	50301

Owner

115 E Cottage Ave is owned and occupied by an individual who bought it in September 2019.

Source: Montgomery County records, as of January 26, 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	Individual Name on File
Mailing Address	115 E COTTAGE AVE, DAYTON, OH 45449-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage WRIGHT-PATT CREDIT UNION INC
Sep 20, 2019	Warranty Deed, Transfer · Conventional with PMI CROSSCOUNTRY MTG
Oct 1, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Prior Sale	Oct 1, 2018 · Amount on File
Deed Document Number	2019-00051618
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	115 E COTTAGE AVE, DAYTON, OH 45449-1456
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076138
Date	Oct 6, 2021
Instrument	2021-00076138

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 20, 2019
Property Address	115 E COTTAGE AVE, DAYTON, OH 45449-1456
Document Number	0000051618
Instrument Date	Aug 29, 2019
Instrument	51618
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E COTTAGE AVE WEST CARROLLTON OH 454491456, WEST CARROLLTON, OH 45449-1456

Mortgage

Document Number	51619
Date	Sep 20, 2019
Instrument	51619

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 1, 2018
Property Address	115 E COTTAGE AVE, DAYTON, OH 45449-1456
Document Number	0000057572
Instrument Date	Sep 20, 2018
Instrument	57572
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W CIRCLE DR WEST CARROLLTON OH 454491111, WEST CARROLLTON, OH 45449-1111

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$47,270 Land $6,250 Building $41,020
2024	$3,257.00 (+5.71%)
2023	$3,081.00 (+10.87%)	$47,270 (+41.87%) Land $6,250 Building $41,020	$135,050 Land $17,860 Building $117,190
2022	$2,779.00	$33,320 Land $4,400 Building $28,920
2020			$95,190 Land $12,570 Building $82,620

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 115 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1979.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	4 (1979–2005)
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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

The area around 115 E Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Frontier.

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