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1306 Ray St, Dayton, OH 45404 Property Records

Montgomery County property record for 1306 Ray St, Dayton, OH 45404

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 648 sqft · built 1925
Lot Size0.088 acres (3,842 sqft)
Owner2 Individual Names on File
Last Sale$50,000 (Aug 2000)
Tax Bill$751 (2024)
Deeds & MortgagesMay 2023 Mortgage
Aug 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APNR72 05403 0002

Property Details

APN / Parcel Number

Primary APNR72 05403 0002

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area648 sqft Living Area
1st Floor Area648 sqft
Basement Area84 sqft
Unfinished Basement84 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Architectural StyleBungalow
Exterior MaterialWood
Construction TypeFrame
Lot Area3,842 sqft (0.088 acres)
Lot Dimensions120 ft deep x 32 ft wide
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area84 sqft

Utilities, Heating & Cooling

Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1306 RAY ST
CityDAYTON
StateOH
Zip45404-1759
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description24094
Legal SubdivisionCITY/DAYTON REV
Legal Lot Number2
JurisdictionMONTGOMERY OH
Township / Civil DivisionDAYTON
Census Block Group2
Census Block2024
Census Tract1802

Owner

1306 Ray St is owned and occupied by two individuals who bought it in August 2000.

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

Owner of Record2 Individual Names on File
Mailing Address1306 RAY ST, DAYTON, OH 45404-1759
OccupancyOwner Occupied
Owner TypeIndividual

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
May 25, 2023Deed of Trust, Mortgage · FHA Mortgage
JPMORGAN CHASE BANK NA
Aug 1, 2020Loan Modification, Mortgage · FHA Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 9, 2000 · Amount on File
Deed SaleAug 9, 2000 · Amount on File
Deed Document Number0000522A06
Deed Book / PageR72
Record UpdatedJun 8, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address1306 RAY ST, DAYTON, OH 45404-1759
Transaction TypeMortgage
Record UpdatedJun 8, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1306 RAY ST, DAYTON, OH 45404-1759

Mortgage

Document Number0000026473
DateMay 25, 2023
Instrument202300026473
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressMONROE, LA 71203
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term326 Months
DueJul 1, 2050

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONTGOMERY OH
Property Address1306 RAY ST, DAYTON, OH 45404-1759
Document Number0000049967
Instrument DateAug 1, 2020
Transaction TypeMortgage
Record UpdatedSep 30, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1306 RAY ST DAYTON OH 454041759, DAYTON, OH 45404-1759

Mortgage

Document Number0000049967
DateAug 25, 2020
Instrument49967
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressMONROE, LA 71203
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 24, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityDayton City
Unified School DistrictDayton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,530 Land $2,380 Building $8,150
2024$751.00 (+11.76%)
2023$672.00 (-8.07%)$10,530 (+17.39%) Land $2,380 Building $8,150$30,080 Land $6,790 Building $23,290
2022$731.00$8,970 Land $2,030 Building $6,940
2020$25,650 Land $5,810 Building $19,840

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 1306 Ray St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

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 1306 Ray St 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 SystemDAYTON PUBLIC WATER SYSTEM
serves 141,407 people · EPA ID OH5703512
Water SourceSurface water
Last State InspectionJun 2024
Lead470 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 566 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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