115 E Whipp Rd, Dayton, OH 45459 Property Records

Montgomery County property record for 115 E Whipp Rd, Dayton, OH 45459

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,288 sqft · built 1949
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jan 2023)
Tax Bill	$5,143 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O67-03709-0088`

Property Details

APN / Parcel Number

Primary APN	`O67-03709-0088`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Stone
Construction Type	Stone
Lot Area	66,647 sqft (1.53 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Concrete/Masonry Porch
Porch Area	280 sqft
Deck Area	119 sqft
Patio Area	119 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	115 E WHIPP RD
City	DAYTON
State	OH
Zip	45459-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-2-27
Legal Subdivision	MRS
Legal Lot Number	88
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2011
Census Tract	40201

Owner

Source: Montgomery County records, as of August 25, 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	115 E WHIPP RD, DAYTON, OH 45459-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 28, 2023	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	Mar 31, 2010 · Amount on Record
Deed Document Number	2023162
Prior Transfer Date	Aug 26, 2019
Prior Transfer Doc	0000047703
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 7, 2026
Property Address	115 E WHIPP RD, DAYTON, OH 45459-2103
Document Number	0000046668
Instrument Date	Aug 3, 2026
Instrument	202646668
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E WHIPP RD, DAYTON, OH 45459-2103

Mortgage

Document Number	0000046668,
Date	Aug 7, 2026
Instrument	202646668

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 28, 2023
Property Address	115 E WHIPP RD, DAYTON, OH 45459-2103
Document Number	0000065589
Instrument Date	Dec 4, 2023
Instrument	202300065589
Transaction Type	Transfer
Record Updated	Jan 11, 2024
Title Company	FIRST OHIO TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E WHIPP RD, DAYTON, OH 45459-2103

Mortgage

Document Number	0000065590
Date	Dec 28, 2023
Instrument	202300065590

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 3, 2023
Property Address	115 E WHIPP RD, DAYTON, OH 45459-2103
Document Number	0000000162
Instrument Date	Dec 13, 2022
Instrument	2023-00000162
Transaction Type	Transfer
Record Updated	Jan 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TTL AGCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	115 E WHIPP RD, DAYTON, OH 45459-2103

Mortgage

Document Number	0000000166
Date	Jan 3, 2023
Instrument	2023-00000166

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.37%
Index	1-Year T-Bill
Max Rate	11.3%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,143.00	$76,600 (-) Land $33,210 Building $43,390	$218,840 (-) Land $94,880 Building $123,960
2024	$5,143.00 (+117.19%)
2023	$2,368.00 (-50.48%)	$76,600 (+25.14%) Land $33,210 Building $43,390	$218,840 (+25.15%) Land $94,880 Building $123,960
2022	$4,782.00	$61,210 Land $26,570 Building $34,640
2020			$174,860 Land $75,900 Building $98,960

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

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	3 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1982 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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