140 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 140 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,656 sqft · built 1898
Lot Size	0.141 acres (6,151 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Sep 2021)
Tax Bill	$2,377 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`K48 00102 0047`

Property Details

APN / Parcel Number

Primary APN	`K48 00102 0047`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,656 sqft Total Area
1st Floor Area	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Architectural Style	Log Home
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	162 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	140 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1457
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	269
Legal Subdivision	HABITAT CONDOS PH IV-B
Legal Lot Number	47
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2030
Census Tract	50301

Owner

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 Record
Mailing Address	140 E COTTAGE AVE, DAYTON, OH 45449-1457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 30, 2021	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Dec 23, 2013 · Amount on Record
Deed Document Number	2021-00074618
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	140 E COTTAGE AVE, DAYTON, OH 45449-1457
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 ECOTTAGE AVE, DAYTON, OH 45449

Mortgage

Document Number	0000051802
Date	Oct 6, 2023
Instrument	202300051802

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	ORESTES, IN 46063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 30, 2021
Property Address	140 E COTTAGE AVE, DAYTON, OH 45449-1457
Document Number	0000074618
Instrument Date	Sep 7, 2021
Instrument	2021-00074618
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	PREMIER SERVICE TITLE

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	140 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1457

Mortgage

Document Number	0000074619
Date	Sep 30, 2021
Instrument	2021-00074619

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$33,450 (-) Land $6,250 Building $27,200
2024	$2,377.00 (+7.9%)
2023	$2,203.00 (+11.21%)	$33,450 (+41.92%) Land $6,250 Building $27,200	$95,570 (+41.9%) Land $17,860 Building $77,710
2022	$1,981.00	$23,570 Land $4,400 Building $19,170
2020			$67,350 Land $12,570 Building $54,780

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1989–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020 · other causes

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	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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