2089 Oak Tree Dr E, Dayton, OH 45440 Property Records

Montgomery County property record for 2089 Oak Tree Dr E, Dayton, OH 45440 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,905 sqft · built 1969
Lot Size	0.274 acres (11,970 sqft)
Owner	Individual Name on File
Tax Bill	$4,276 (2024)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N64 03112 0023`

Property Details

APN / Parcel Number

Primary APN	`N64 03112 0023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,905 sqft Living Area
1st Floor Area	1,905 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,970 sqft (0.274 acres)
Lot Dimensions	133 ft deep x 90 ft wide
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Patio Area	48 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2089 OAK TREE DR E
City	DAYTON
State	OH
Zip	45440-2458
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	106 WOODBRIAR 1A
Legal Subdivision	WOODBRIAR 1A
Legal Lot Number	23
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	1
Census Block	1005
Census Tract	21700

Owner

Source: Montgomery County records · APN N64 03112 0023

Assessment roll updated January 1, 2025 · Last verified February 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 File
Mailing Address	2089 OAK TREE DR E, DAYTON, OH 45440-2458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2015
Deed Sale	Jul 09, 2015
Prior Sale	Sep 11, 2006 · Amount on Record
Deed Document Number	06-084045
Record Updated	Jun 08, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	2089 OAK TREE DR E, DAYTON, OH 45440-2458
Document Number	0000042895
Instrument Date	Jul 03, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2089 OAK TREE DR E KETTERING OH 454402458, KETTERING, OH 45440-2458

Mortgage

Document Number	0000042895
Date	Jul 25, 2018
Instrument	42895

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2033

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$77,270 (-) Land $16,180 Building $61,090
2024	$4,276.00 (+1.26%)
2023	$4,223.00 (+10.41%)	$77,270 (+34.34%) Land $16,180 Building $61,090	$220,760 (+34.32%) Land $46,220 Building $174,540
2022	$3,825.00	$57,520 Land $12,070 Building $45,450
2020			$164,350 Land $34,490 Building $129,860

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391130217001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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