20 Centre St, Dayton, OH 45403 Property Records

Montgomery County property record for 20 Centre St, Dayton, OH 45403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,330 sqft · built 1918
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2022)
Tax Bill	$1,239 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R72 01210 0061`

Property Details

APN / Parcel Number

Primary APN	`R72 01210 0061`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,330 sqft Living Area
1st Floor Area	545 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 CENTRE ST
City	DAYTON
State	OH
Zip	45403-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5496
Legal Subdivision	WOODLAND HILLS PARK
Legal Lot Number	61
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	5
Census Block	5017
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Huffman Historic District listed 1982 · 663 contributing resources · NRIS 82003618

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

20 Centre St is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	20 CENTRE ST, DAYTON, OH 45403-1904
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
Aug 15, 2022	Warranty Deed, Transfer · FHA Mortgage UNION SAVINGS BANK
Mar 24, 2022	Special Warranty Deed, Transfer PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY
Feb 9, 2022	Warranty Deed, Transfer PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Mar 24, 2022 · Amount on File
Deed Document Number	2022-00051141
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 15, 2022
Property Address	20 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000051141
Instrument Date	Jul 8, 2022
Instrument	2022-00051141
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	20 CENTRE ST, DAYTON, OH 45403-1904

Mortgage

Document Number	0000051142
Date	Aug 15, 2022
Instrument	2022-00051142

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 24, 2022
Property Address	20 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000020474
Instrument Date	Mar 8, 2022
Instrument	2022-00020474
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY

Transaction

Amount	Amount 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
Address	131 WILLIAM ST, DAYTON, OH 45449-1239

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 9, 2022
Property Address	20 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000008549
Instrument Date	Jan 12, 2022
Instrument	2022-00008549
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY

Transaction

Amount	Amount 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
Address	4170 POSSUM RUN RD, DAYTON, OH 45440-4000

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,830 Land $3,670 Building $17,160
2024	$1,239.00 (+2.4%)
2023	$1,210.00 (-18.57%)	$20,830 (+2.11%) Land $3,670 Building $17,160	$59,520 Land $10,490 Building $49,030
2022	$1,486.00	$20,400 Land $3,600 Building $16,800
2020			$58,270 Land $10,280 Building $47,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 Centre 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 20 Centre 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	DAYTON PUBLIC WATER SYSTEM serves 141,407 people · EPA ID OH5703512
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	470 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 753 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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