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190 E Franklin St, Dayton, OH 45459 Property Records

Montgomery County property record for 190 E Franklin St, Dayton, OH 45459

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,450 sqft · built 1963
Lot Size0.312 acres (13,599 sqft)
Owner2 Individual Names on Record
Tax Bill$5,348 (2024)
Deeds & MortgagesOct 2022 Mortgage
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNO68 00209 0022

Property Details

APN / Parcel Number

Primary APNO68 00209 0022

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,450 sqft Living Area
1st Floor Area1,350 sqft
Basement Area650 sqft
Finished Basement650 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Architectural StyleSplit Level
Exterior MaterialAluminum/Vinyl
Lot Area13,599 sqft (0.312 acres)
Lot Dimensions136 ft deep x 100 ft wide
Garage Area520 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area28 sqft
Patio Area168 sqft
Canopy400 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address190 E FRANKLIN ST
CityDAYTON
StateOH
Zip45459-5916
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description669 CONCEPT 3 SEC 7
Legal SubdivisionCONCEPT 3 SEC 7
Legal Lot Number22
JurisdictionMONTGOMERY OH
Township / Civil DivisionWASHINGTON
Census Block Group3
Census Block3003
Census Tract40302

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 Record2 Individual Names on Record
Mailing Address190 E FRANKLIN ST, DAYTON, OH 45459-5916
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2022Deed of Trust, Mortgage · VA Mortgage
ROCKET MORTGAGE LLC
May 26, 2021Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 28, 1995
Deed SaleMar 28, 1995
Prior SaleJan 3, 1995
Deed Document Number0005231
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address190 E FRANKLIN ST, DAYTON, OH 45459-5916
Transaction TypeMortgage
Record UpdatedJan 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000065627
DateOct 18, 2022
Instrument2022-00065627
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address190 E FRANKLIN ST, DAYTON, OH 45459-5916
Transaction TypeMortgage
Record UpdatedOct 31, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000040347
DateMay 26, 2021
Instrument2021-00040347
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term178 Months
DueMar 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
County SubdivisionWashington Township
MunicipalityCenterville City
Unified School DistrictCenterville City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$84,330 (-) Land $13,880 Building $70,450
2024$5,348.00 (+9.17%)
2023$4,899.00 (+8.55%)$84,330 (+36.9%) Land $13,880 Building $70,450$240,960 (+36.91%) Land $39,670 Building $201,290
2022$4,513.00$61,600 Land $10,140 Building $51,460
2020$176,000 Land $28,960 Building $147,040

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

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
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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 RiskLow
lower than 98% of the US · lower than 90% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemMONTGOMERY COUNTY WATER SERVICES 1 PWS
serves 150,207 people · EPA ID OH5701315
Water SourcePurchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State InspectionJan 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and ReportingNone
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 251 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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