Montgomery County property record for 1943 Oak Tree Dr E, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,773 sqft · built 1969 |
| Lot Size | 0.234 acres (10,202 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Aug 2025) |
| Tax Bill | $5,921 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 03206 0017 |
| Primary APN | N64 03206 0017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,773 sqft Living Area |
| 1st Floor Area | 1,773 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 10,202 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 81 sqft |
| Deck Area | 342 sqft |
| Patio Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1943 OAK TREE DR E |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 71 WOODBRIAR 3 |
| Legal Subdivision | WOODBRIAR 3 |
| Legal Lot Number | 17 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21700 |
Source: Montgomery County records, as of January 26, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Aug 14, 2025 | Warranty Deed, Transfer LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC |
| Aug 1, 2019 | Warranty Deed, Transfer · VA Mortgage SIBCY CLINE MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2025 · Amount on Record |
| Deed Sale | Aug 14, 2025 · Amount on Record |
| Prior Sale | Aug 1, 2019 · Amount on Record |
| Deed Document Number | 2025-00043486 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Document Number | 0000067919 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025-00067919 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 14, 2025 |
| Property Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Document Number | 0000043486 |
| Map Reference | MB 76 PG 77 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 2025-00043486 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 1, 2019 |
| Property Address | 1943 OAK TREE DR E, DAYTON, OH 45440-2409 |
| Document Number | 0000040642 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 40642 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $644.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1943 OAK TREE DR E DAYTON OH 454402409, DAYTON, OH 45440-2409 |
| Document Number | 40656 |
|---|---|
| Date | Aug 1, 2019 |
| Instrument | 40656 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2049 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $93,070 (-) Land $15,110 Building $77,960 | ||
| 2024 | $5,921.00 (+2.74%) | ||
| 2023 | $5,763.00 (+6.25%) | $93,070 (+34.36%) Land $15,110 Building $77,960 | $265,900 (+34.34%) Land $43,160 Building $222,740 |
| 2022 | $5,424.00 | $69,270 Land $11,270 Building $58,000 | |
| 2020 | $197,930 Land $32,210 Building $165,720 |
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.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2005–2008) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2008 · tidal / storm surge |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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