1400 E 3rd St, Dayton, OH 45403 Property Records

Montgomery County property record for 1400 E 3rd St, Dayton, OH 45403 · Last verified February 2026

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 5 ba · 5,538 sqft · built 1896
Lot Size	0.128 acres (5,580 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Sep 2025)
Tax Bill	$4,082 (2024)
Deeds & Mortgages	May 2022 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R72 01205 0004`

Property Details

APN / Parcel Number

Primary APN	`R72 01205 0004`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,538 sqft Total Area
1st Floor Area	1,846 sqft
2nd Floor Area	1,846 sqft
Basement Area	1,846 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Exterior Material	Brick Veneer
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	5,580 sqft (0.128 acres)
Lot Dimensions	155 ft deep x 36 ft wide
Porch	Enclosed Porch
Porch Area	434 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1400 E 3RD ST
City	DAYTON
State	OH
Zip	45403-1819
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	22254
Legal Subdivision	CITY/DAYTON
Legal Lot Number	4
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	2
Census Block	2000
Census Tract	1900

Owner

Source: Montgomery County records · APN R72 01205 0004

Assessment roll updated January 1, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1400 E 3RD ST, DAYTON, OH 45403-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Commercial Mortgage CINCINNATUS SLA
Sep 24, 2025	Warranty Deed, Transfer · Commercial Mortgage ABBEY CU INC
May 18, 2022	Warranty Deed, Transfer · Commercial Mortgage SCUBA SQUAD REAL ESTATE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	May 18, 2022 · Amount on Record
Deed Document Number	2025-00052427
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	1400 E 3RD ST, DAYTON, OH 45403-1819
Transaction Type	Mortgage
Record Updated	Oct 06, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033270
Date	May 23, 2022
Instrument	2022-00033270

Lender

Name	CINCINNATUS SLA
Type	Bank
Address	CINCINNATI, OH 45211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Apr 01, 2032

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 24, 2025
Property Address	1400 E 3RD ST, DAYTON, OH 45403-1819
Document Number	0000052427
Instrument Date	Aug 06, 2025
Instrument	2025-00052427
Transaction Type	Transfer
Record Updated	Oct 06, 2025
Title Company	UNKNOWN, VLT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants with Right of Survivorship
Address	1400 E 3RD ST, DAYTON, OH 45403-1819

Mortgage

Document Number	0000052428
Date	Sep 24, 2025
Instrument	2025-00052428

Lender

Name	ABBEY CU INC
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 18, 2022
Property Address	1400 E 3RD ST, DAYTON, OH 45403-1819
Document Number	0000032665
Instrument Date	Apr 22, 2022
Instrument	2022-00032665
Transaction Type	Transfer
Record Updated	May 30, 2022

Transaction

Amount	Amount Recorded
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	1400 E 3RD ST, DAYTON, OH 45403-1819

Mortgage

Document Number	0000032666
Date	May 18, 2022
Instrument	2022-00032666

Lender

Name	SCUBA SQUAD REAL ESTATE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2042

Mortgage

Document Number	0000033270
Date	May 23, 2022
Instrument	2022-00033270

Lender

Name	CINCINNATUS SLA
Type	Bank
Address	CINCINNATI, OH 45211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Apr 01, 2032

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated January 1, 2025 · Last verified February 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$41,400 (-) Land $5,170 Building $36,230
2024	$4,082.00 (+3.47%)	$41,400 (-) Land $5,170 Building $36,230
2023	$3,945.00 (+24.21%)	$41,400 (+47.02%) Land $5,170 Building $36,230	$118,280 (+47%) Land $14,760 Building $103,520
2022	$3,176.00	$28,160 Land $3,510 Building $24,650
2020			$80,460 Land $10,040 Building $70,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 753 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	1,000 / 75
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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