16 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 16 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1892
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$172,333 (Feb 2024)
Tax Bill	$2,568 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`K48-00102-0028`

Property Details

APN / Parcel Number

Primary APN	`K48-00102-0028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,032 sqft Living Area
Gross Area	1,248 sqft
1st Floor Area	384 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 2022
Architectural Style	Old Style
Exterior Material	Brick
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	150 ft deep x 40 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	408 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	282
Legal Subdivision	CITY OF WEST CARROLLTON
Legal Lot Number	28
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2031
Census Tract	50301

Owner

Source: Montgomery County records, as of May 21, 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	16 E COTTAGE AVE, DAYTON, OH 45449-1455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage WRIGHT-PATT CREDIT UNION INC
Dec 14, 2022	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 22, 2021	Legal Action/Court Order, Foreclosure
Dec 16, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	Dec 22, 2021
Deed Document Number	20246619
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 12, 2024
Property Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000006619
Instrument Date	Feb 6, 2024
Instrument	2024-00006619
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455

Mortgage

Document Number	0000006620
Date	Feb 12, 2024
Instrument	2024-00006620

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	3560 PENTAGON BLVD, BEAVERCREEK, OH 45431

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 14, 2022
Property Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000076725
Instrument Date	Nov 23, 2022
Instrument	2022-00076725
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

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
Relationship	Right of Survivorship
Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455

Mortgage

Document Number	0000076726
Date	Dec 14, 2022
Instrument	2022-00076726

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

December 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 22, 2021
Property Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000096102
Instrument Date	Dec 21, 2021
Instrument	2021-00096102
Transaction Type	Foreclosure
Record Updated	Apr 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7620 WASHINGTON PARK DR, DAYTON, OH 45459-3621

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 16, 2021
Property Address	16 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000094186
Instrument Date	Dec 14, 2021
Instrument	2021-00094186
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7620 WASHINGTON PARK DR, DAYTON, OH 45459-3621

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 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		$37,290 (-) Land $6,170 Building $31,120	$106,550 (-) Land $17,640 Building $88,910
2024	$2,568.00 (+6.64%)
2023	$2,408.00 (-10.28%)	$37,290 (+60.04%) Land $6,170 Building $31,120	$106,550 (+60.11%) Land $17,640 Building $88,910
2022	$2,684.00	$23,300 Land $4,350 Building $18,950
2020			$66,550 Land $12,420 Building $54,130

Assessed value is set for property tax purposes, not a market price estimate; it is 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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