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146 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 146 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,628 sqft · built 1904
Lot Size0.144 acres (6,299 sqft)
OwnerIndividual Name on Record
Last Sale$144,200 (Nov 2018)
Tax Bill$4,188 (2024)
Deeds & MortgagesNov 2018 Sale & Mortgage
Flood ZoneZone X (reduced by levee)
APNK48 00102 0048

Property Details

APN / Parcel Number

Primary APNK48 00102 0048

Interior

Bedrooms2 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,628 sqft Living Area
1st Floor Area672 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1904
Effective Year BuiltEffective 2017
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area6,299 sqft (0.144 acres)
Lot Dimensions150 ft deep x 42 ft wide
Garage TypeDetached
Garage Area864 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area184 sqft
Shed1 Shed
Shed Area130 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address146 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1457
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description270
Legal SubdivisionCITY/WEST CARROLLTON REV
Legal Lot Number48
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2030
Census Tract50301

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 RecordIndividual Name on Record
Mailing Address146 E COTTAGE AVE, DAYTON, OH 45449-1457
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 20, 2018 · Amount on Record
Deed SaleNov 20, 2018 · Amount on Record
Prior SaleDec 15, 2006 · Amount on Record
Deed Document Number2018-00068210
Record UpdatedJun 8, 2026

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY OH
Recording DateNov 20, 2018
Property Address146 E COTTAGE AVE, DAYTON, OH 45449-1457
Document Number0000068210
Instrument DateSep 27, 2018
Instrument68210
Transaction TypeTransfer
Record UpdatedDec 7, 2018
Title CompanyVANTAGE LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$432.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address146 E COTTAGE AVE DAYTON OH 454491457, DAYTON, OH 45449-1457

Mortgage

Document Number68211
DateNov 20, 2018
Instrument68211
Lender
NameUS BK
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 19, 2048

Mortgage

Document Number68212,
DateNov 20, 2018
Instrument68212
Lender
NameHOUSING FIN AGCY
Agreement
AmountAmount Recorded

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$63,650 (-) Land $6,330 Building $57,320
2024$4,188.00 (+5.33%)
2023$3,976.00 (+11.5%)$63,650 (+41.89%) Land $6,330 Building $57,320$181,840 (+41.87%) Land $18,080 Building $163,760
2022$3,566.00$44,860 Land $4,460 Building $40,400
2020$128,170 Land $12,730 Building $115,440

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims4 (1989–2020)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 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 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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