1489 Cobblestone St, Dayton, OH 45432 Property Records

Montgomery County property record for 1489 Cobblestone St, Dayton, OH 45432

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1960
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,283 (2024)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I39101509 0036`

Property Details

APN / Parcel Number

Primary APN	`I39101509 0036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	7,841 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1489 COBBLESTONE ST
City	DAYTON
State	OH
Zip	45432-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73 HOLLADAY HOMES 1
Legal Subdivision	OL
Legal Lot Number	36
Jurisdiction	MONTGOMERY OH
Township / Civil Division	RIVERSIDE
Census Block Group	2
Census Block	2004
Census Tract	91000

Owner

1489 Cobblestone St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1489 COBBLESTONE ST, DAYTON, OH 45432-3406
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	1489 COBBLESTONE ST, DAYTON, OH 45432-3406
Document Number	0000046627
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1489 COBBLESTONE ST DAYTON OH 454323406, DAYTON, OH 45432-3406

Mortgage

Document Number	0000046627
Date	Aug 12, 2020
Instrument	46627

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Aug 11, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	1489 COBBLESTONE ST, DAYTON, OH 45432-3406
Document Number	0000030791
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1489 COBBIESTONE ST DAYTON OH 45432, DAYTON, OH 45432

Mortgage

Document Number	0000030791
Date	Jun 14, 2019
Instrument	30791

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$42,040 Land $9,010 Building $33,030
2024	$2,283.00 (+2.65%)
2023	$2,224.00 (+6.06%)	$42,040 (+42.75%) Land $9,010 Building $33,030	$120,110 Land $25,740 Building $94,370
2022	$2,097.00	$29,450 Land $6,300 Building $23,150
2020			$84,130 Land $18,000 Building $66,130

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1489 Cobblestone St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1489 Cobblestone St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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