Montgomery County property record for 2040 Oak Tree Dr E, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,128 sqft · built 1967 |
| Lot Size | 0.229 acres (10,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Feb 2018) |
| Tax Bill | $6,472 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 03112 0011 |
| Primary APN | N64 03112 0011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 891 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 10,001 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 198 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2040 OAK TREE DR E |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-2418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 WOODBRIAR 1 |
| Legal Subdivision | WOODBRIAR 1 |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1010 |
| 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 |
|---|---|
| Mailing Address | 2040 OAK TREE DR E, DAYTON, OH 45440-2418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS |
| Feb 5, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2018 · Amount on Record |
| Deed Sale | Feb 5, 2018 · Amount on Record |
| Prior Sale | Jul 30, 2014 · Amount on Record |
| Deed Document Number | 2018-00006964 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2040 OAK TREE DR E, DAYTON, OH 45440-2418 |
| Document Number | 0000074382 |
| Instrument Date | Dec 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2040 OAK TREE DR E KETTERING OH 454402418, KETTERING, OH 45440-2418 |
| Document Number | 0000074382 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 74382 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 8, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 5, 2018 |
| Property Address | 2040 OAK TREE DR E, DAYTON, OH 45440-2418 |
| Document Number | 0000006964 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 6964 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $654.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2040 OAK TREE DR E KETTERING OH 454402418, KETTERING, OH 45440-2418 |
| Document Number | 6965 |
|---|---|
| Date | Feb 5, 2018 |
| Instrument | 6965 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 4, 2048 |
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 | $101,730 (-) Land $14,980 Building $86,750 | ||
| 2024 | $6,472.00 (+2.73%) | ||
| 2023 | $6,300.00 (+6.24%) | $101,730 (+34.33%) Land $14,980 Building $86,750 | $290,670 (+34.34%) Land $42,810 Building $247,860 |
| 2022 | $5,930.00 | $75,730 Land $11,180 Building $64,550 | |
| 2020 | $216,370 Land $31,950 Building $184,420 |
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 | 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.
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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