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127 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 127 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 2,126 sqft · built 1898
Lot Size0.141 acres (6,151 sqft)
OwnerTrust Name on File
Last Sale$124,535 (Feb 2019)
Tax Bill$2,968 (2024)
Deeds & MortgagesJul 2021 Sale
Feb 2019 Sale
Flood ZoneZone X (reduced by levee)
APNK48 00102 0037

Property Details

APN / Parcel Number

Primary APNK48 00102 0037

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms10 Rooms
Stories2 Stories
Building Area2,126 sqft Living Area
1st Floor Area784 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1898
Architectural StyleTraditional
Exterior MaterialWood
Construction TypeFrame
Lot Area6,151 sqft (0.141 acres)
Lot Dimensions150 ft deep x 41 ft wide
Garage TypeCarport
CarportCarport
Carport Area480 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Porch
Porch Area658 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address127 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1456
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description259
Legal SubdivisionCITY/WEST CARROLLTON REV
Legal Lot Number37
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group1
Census Block1043
Census Tract50301

Owner

127 E Cottage Ave is held in a trust since February 2019.

Source: Montgomery County records, as of January 26, 2026

Owner of RecordTrust Name on File
Mailing Address300 DELAWARE AVE, WILMINGTON, DE 19801-1651
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2021Land Contract, Transfer
Feb 11, 2019Warranty Deed, Transfer
PUNCTUAL ABSTRACT COMPANY INC, PUNCTUAL ABSTRACT CO INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 11, 2019 · Amount on File
Deed SaleFeb 11, 2019 · Amount on File
Prior SaleMar 6, 2008
Deed Document Number201900007457
Record UpdatedJun 8, 2026

July 2021: Land Contract, Transfer

Document TypeLand Contract
JurisdictionMONTGOMERY OH
Recording DateJul 9, 2021
Property Address127 E COTTAGE AVE, DAYTON, OH 45449-1456
Document Number0000051770
Instrument DateJun 10, 2021
Instrument2021-00051770
Transaction TypeTransfer
Record UpdatedApr 12, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11737 CENTRAL PKWY # 100, 100, JACKSONVILLE, FL 32224-2601

Transferred To (Grantee/Buyer)

NameVerified Name
Address300 DELAWARE AVE # 9, 9, WILMINGTON, DE 19801-1607

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY OH
Recording DateFeb 11, 2019
Property Address127 E COTTAGE AVE, DAYTON, OH 45449-1456
Document Number0000007457
Instrument DateOct 30, 2018
Instrument7457
Transaction TypeTransfer
Record UpdatedFeb 26, 2019
Title CompanyPUNCTUAL ABSTRACT COMPANY INC, PUNCTUAL ABSTRACT CO INC

Transaction

AmountAmount on Record
Tax$373.80
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address300 DELAWARE AVE #9TH WILMINGTON DE 198011607, 9TH, WILMINGTON, DE 19801-1607

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityWest Carrollton City
Unified School DistrictWest Carrollton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$42,220 Land $6,250 Building $35,970
2024$2,968.00 (+7.38%)
2023$2,764.00 (+10.34%)$42,220 (+41.87%) Land $6,250 Building $35,970$120,620 Land $17,860 Building $102,760
2022$2,505.00$29,760 Land $4,400 Building $25,360
2020$85,020 Land $12,570 Building $72,450

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 127 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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims4 (1979–2005)
Most Recent ClaimJan 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 127 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 RiskNot 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 SystemWEST CARROLLTON CITY PWS
serves 8,361 people · EPA ID OH5702812
Water SourceGroundwater
Last State InspectionJan 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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

ProviderMax 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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