138 Henry St, Dayton, OH 45403 Property Records

Montgomery County property record for 138 Henry St, Dayton, OH 45403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,864 sqft · built 1872
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,900 (Oct 2020)
Tax Bill	$3,660 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R72-01308-0009`

Property Details

APN / Parcel Number

Primary APN	`R72-01308-0009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
1st Floor Area	752 sqft

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1997
Architectural Style	Old Style
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
View / Lot	Neighborhood / Spot
Porch	Open Frame Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	138 HENRY ST
City	DAYTON
State	OH
Zip	45403-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2540
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	9
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	2
Census Block	2024
Census Tract	1900

Owner

Source: Montgomery County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	138 HENRY ST, DAYTON, OH 45403-2314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Warranty Deed, Transfer · Conventional with PMI UNION SVGS
May 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Aug 25, 2016 · Amount on Record
Deed Document Number	202065431
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 29, 2020
Property Address	138 HENRY ST, DAYTON, OH 45403-2314
Document Number	0000065431
Instrument Date	Oct 16, 2020
Instrument	65431
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
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	138 HENRY ST DAYTON OH 454032314, DAYTON, OH 45403-2314

Mortgage

Document Number	65432
Date	Oct 29, 2020
Instrument	65432

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	138 HENRY ST, DAYTON, OH 45403-2314
Document Number	0000024334
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 HENRY ST DAYTON OH 454032314, DAYTON, OH 45403-2314

Mortgage

Document Number	0000024334
Date	May 14, 2019
Instrument	24334

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 13, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,660.00	$63,920 (-) Land $8,770 Building $55,150	$182,620 (-) Land $25,050 Building $157,570
2024	$3,660.00 (+2.52%)
2023	$3,570.00 (+16.74%)	$63,920 (+51.11%) Land $8,770 Building $55,150	$182,620 (+51.1%) Land $25,050 Building $157,570
2022	$3,058.00	$42,300 Land $5,810 Building $36,490
2020			$120,860 Land $16,590 Building $104,270

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	DAYTON PUBLIC WATER SYSTEM serves 141,407 people · EPA ID OH5703512
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	470 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 753 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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