200 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 200 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1918
Lot Size	0.141 acres (6,151 sqft)
Owner	Individual Name on File
Last Sale	$88,900 (Mar 1998)
Tax Bill	$3,101 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`K48-00103-0041`

Property Details

APN / Parcel Number

Primary APN	`K48-00103-0041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,540 sqft Living Area
1st Floor Area	770 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	172 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	200 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	303
Legal Subdivision	GARDEN CITY ADD 03
Legal Lot Number	41
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2029
Census Tract	50301

Owner

200 E Cottage Ave is owned and occupied by an individual who acquired it in May 2020.

Source: Montgomery County records, as of December 30, 2025

Owner of Record	Individual Name on File
Mailing Address	200 E COTTAGE AVE, DAYTON, OH 45449-1459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit BRIDGE CU INC
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 3, 2020	Affidavit of Death, Transfer JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 1998 · Amount on File
Deed Sale	Mar 3, 1998 · Amount on File
Prior Sale	Mar 3, 1998 · Amount on File
Deed Document Number	19984082
Deed Book / Page	980130 / D09
Last Transfer Date	May 7, 2020
Transfer Doc	0000066354
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	200 E COTTAGE AVE, DAYTON, OH 45449-1459
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 E COTTAGE AVE, DAYTON, OH 45449-1459

Mortgage

Document Number	0000064363
Date	Nov 13, 2025
Instrument	2025-00064363

Lender

Name	BRIDGE CU INC
Type	Credit Union
Address	POWELL, OH 43065

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	200 E COTTAGE AVE, DAYTON, OH 45449-1459
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079495
Date	Oct 19, 2021
Instrument	2021-00079495

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 3, 2020
Property Address	200 E COTTAGE AVE, DAYTON, OH 45449-1459
Document Number	0000066354
Instrument Date	May 7, 2020
Instrument	66354
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E COTTAGE AVE DAYTON OH 45449, DAYTON, OH 45449

Mortgage

Document Number	66355
Date	Nov 3, 2020
Instrument	66355

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 2, 2050

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		$44,700 Land $6,250 Building $38,450	$127,730 Land $17,860 Building $109,870
2024	$3,101.00 (+7.9%)
2023	$2,874.00 (+10.41%)	$44,700 (+41.86%) Land $6,250 Building $38,450	$127,730 Land $17,860 Building $109,870
2022	$2,603.00	$31,510 Land $4,400 Building $27,110
2020			$90,030 Land $12,570 Building $77,460

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.

Flood

FEMA maps place 200 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1989.

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

The area around 200 E Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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