Montgomery County property record for 209 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,808 sqft · built 1910 |
| Lot Size | 0.141 acres (6,151 sqft) |
| Owner | Company Name on File |
| Last Sale | $90,000 (Aug 2026) |
| Tax Bill | $3,146 (2025) |
| Deeds & Mortgages | Aug 2026 Foreclosure Sep 2023 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00103-0011 |
| Primary APN | K48-00103-0011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 516 sqft |
| Basement Area | 308 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Old Style |
| Exterior Material | Frame |
| Construction Type | Frame |
| Lot Area | 6,151 sqft (0.141 acres) |
| Lot Dimensions | 150 ft deep x 41 ft wide |
| View / Lot | Neighborhood / Spot |
| Porch | Slab |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 209 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 317 |
| Legal Subdivision | CITY/WEST CARROLLTON REV |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 50301 |
209 E Cottage Ave is owned by a company that bought it in August 2026.
Source: Montgomery County records, as of October 19, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2800 TAMARACK RD, OWENSBORO, KY 42301-6566 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2026 | Sheriff's Deed, Foreclosure OHIO TITLE |
| Sep 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Prior Sale | Nov 6, 2006 · Amount on File |
| Deed Document Number | 202648398 |
| Prior Transfer Date | Jul 22, 2026 |
| Prior Transfer Doc | 0000048398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 14, 2026 |
| Property Address | 209 E COTTAGE AVE, DAYTON, OH 45449-1458 |
| Document Number | 0000048398 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202648398 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 27, 2026 |
| Title Company | OHIO TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $27,270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2800 TAMARACK RD, OWENSBORO, KY 42301-6566 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 209 E COTTAGE AVE, DAYTON, OH 45449-1458 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 209 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1458 |
| Document Number | 0000047153 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 202300047153 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Aug 1, 2063 |
The 2025 property tax bill for 209 E Cottage Ave was $3,146, up 8.9% from the year before.
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,146.00 (+8.9%) | $39,740 Land $6,250 Building $33,490 | $113,550 Land $17,860 Building $95,690 |
| 2024 | $2,889.00 (+8.45%) | ||
| 2023 | $2,664.00 (-17.45%) | $39,740 (+41.88%) Land $6,250 Building $33,490 | $113,550 Land $17,860 Building $95,690 |
| 2022 | $3,227.00 | $28,010 Land $4,400 Building $23,610 | |
| 2020 | $80,030 Land $12,570 Building $67,460 |
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.
FEMA maps place 209 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 4 (1979–2005) |
| Most Recent Claim | Jan 2005 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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.
The area around 209 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.
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 |
| 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.
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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