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2140 Oak Tree Dr E, Dayton, OH 45440 Property Records

Montgomery County property record for 2140 Oak Tree Dr E, Dayton, OH 45440

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,133 sqft · built 1965
Lot Size0.315 acres (13,739 sqft)
OwnerIndividual Name on Record
Last Sale$263,000 (Jul 2020)
Tax Bill$5,476 (2024)
Deeds & MortgagesJun 2020 Mortgage
Jul 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNN64 02717 0023

Property Details

APN / Parcel Number

Primary APNN64 02717 0023

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area2,133 sqft Living Area
1st Floor Area2,133 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Architectural StyleRanch
Exterior MaterialBrick
Lot Area13,739 sqft (0.315 acres)
Lot Dimensions151 ft deep x 91 ft wide
Garage Area561 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area166 sqft
Deck Area660 sqft
Patio Area84 sqft
Canopy84 sqft
Gazebo209 sqft

Utilities, Heating & Cooling

Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2140 OAK TREE DR E
CityDAYTON
StateOH
Zip45440-2557
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description129 OAK CREEK 1-5
Legal SubdivisionOAK CREEK 1-5
Legal Lot Number23
JurisdictionMONTGOMERY OH
Township / Civil DivisionKETTERING
Census Block Group2
Census Block2003
Census Tract21900

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2140 OAK TREE DR E, DAYTON, OH 45440-2557
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 2, 2020Deed of Trust, Mortgage · Conventional with PMI
UNITED WHOLESALE MTG
Jul 30, 2020Warranty Deed, Transfer · Conventional with PMI
UNITED WHOLESALE MTG
Jul 14, 2017Deed of Trust, Mortgage · Conventional with PMI
WRIGHT-PATT CU
Jan 25, 2017Grant Deed, Transfer · Conventional Mortgage
WILLIAM T JACOBS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2020 · Amount on Record
Deed SaleJul 30, 2020 · Amount on Record
Prior SaleJan 25, 2017 · Amount on Record
Deed Document Number2020-00043671
Record UpdatedJun 8, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address2140 OAK TREE DR E, DAYTON, OH 45440-2557
Document Number0000047154
Instrument DateJun 2, 2020
Transaction TypeMortgage
Record UpdatedSep 22, 2020
Title CompanyMISSION TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2140 OAK TREE DR E KETTERING OH 454402557, KETTERING, OH 45440-2557

Mortgage

Document Number0000047154
DateAug 14, 2020
Instrument47154
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 13, 2050

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY OH
Recording DateJul 30, 2020
Property Address2140 OAK TREE DR E, DAYTON, OH 45440-2557
Document Number0000043671
Instrument DateJun 2, 2020
Instrument43671
Transaction TypeTransfer
Record UpdatedAug 31, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$789.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2140 OAK TREE DR E KETTERING OH 454402557, KETTERING, OH 45440-2557

Mortgage

Document Number43673
DateJul 30, 2020
Instrument43673
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressROCKFORD, MI 49341
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 29, 2050

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address2140 OAK TREE DR E, DAYTON, OH 45440-2557
Document Number0000042122
Instrument DateJul 14, 2017
Transaction TypeMortgage
Record UpdatedAug 9, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2140 OAK TREE DR E KETTERING OH 454402557, KETTERING, OH 45440-2557

Mortgage

Document Number0000042122
DateJul 20, 2017
Instrument42122
Lender
NameWRIGHT-PATT CU
TypeCredit Union
AddressBEAVERCREEK, OH 45431
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 19, 2047

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONTGOMERY OH
Recording DateJan 25, 2017
Property Address2140 OAK TREE DR E, DAYTON, OH 45440-2557
Document Number0000004866
Instrument DateJan 4, 2017
Instrument4866
Transaction TypeTransfer
Record UpdatedFeb 6, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$390.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2140 OAK TREE DR E KETTERING OH 454402557, KETTERING, OH 45440-2557

Mortgage

Document Number4867
DateJan 25, 2017
Instrument4867
Lender
NameWILLIAM T JACOBS
Address2535 TOWNSHIP RD, QUAKERTOWN, PA 18951-3350
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityKettering City
Unified School DistrictKettering City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$85,970 (-) Land $17,100 Building $68,870
2024$5,476.00 (+2.74%)
2023$5,330.00 (+2.7%)$85,970 (+29.84%) Land $17,100 Building $68,870$245,640 (+29.84%) Land $48,860 Building $196,780
2022$5,190.00$66,210 Land $13,150 Building $53,060
2020$189,180 Land $37,580 Building $151,600

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

Source: FEMA National Flood Hazard Layer, effective June 21, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemMONTGOMERY COUNTY WATER SERVICES 1 PWS
serves 150,207 people · EPA ID OH5701315
Water SourcePurchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State InspectionJan 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and ReportingNone
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 368 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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