Montgomery County property record for 2172 Oak Tree Dr E, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,133 sqft · built 1965 |
| Lot Size | 0.292 acres (12,728 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Jul 2024) |
| Tax Bill | $5,402 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 02717 0019 |
| Primary APN | N64 02717 0019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,133 sqft Living Area |
| 1st Floor Area | 2,133 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 12,728 sqft (0.292 acres) |
| Lot Dimensions | 148 ft deep x 86 ft wide |
| Garage Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 576 sqft |
| Patio Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2172 OAK TREE DR E |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 125 OAK CREEK 1-5 |
| Legal Subdivision | OAK CREEK 1-5 |
| Legal Lot Number | 19 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21900 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2172 OAK TREE DR E, DAYTON, OH 45440-2557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 10, 2024 | Warranty Deed, Transfer · FHA Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2024 · Amount on Record |
| Deed Sale | Jul 10, 2024 · Amount on Record |
| Prior Sale | Dec 27, 1993 |
| Deed Document Number | 2024-00035451 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2172 OAK TREE DR E, DAYTON, OH 45440-2557 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2172 OAK TREE DR E, DAYTON, OH 45440-2557 |
| Document Number | 0000071984 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2025-00071984 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Oct 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 10, 2024 |
| Property Address | 2172 OAK TREE DR E, DAYTON, OH 45440-2557 |
| Document Number | 0000035451 |
| Map Reference | MB 72 PG 26 |
| Instrument Date | Jul 1, 2024 |
| Instrument | 2024-00035451 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | HOME SERVICES TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2172 OAK TREE DR E, DAYTON, OH 45440-2557 |
| Document Number | 0000035452 |
|---|---|
| Date | Jul 10, 2024 |
| Instrument | 2024-00035452 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
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 | $84,890 (-) Land $16,430 Building $68,460 | ||
| 2024 | $5,402.00 (+15.13%) | ||
| 2023 | $4,692.00 (+104.89%) | $84,890 (+29.82%) Land $16,430 Building $68,460 | $242,540 (+29.83%) Land $46,930 Building $195,610 |
| 2022 | $2,290.00 | $65,390 Land $12,640 Building $52,750 | |
| 2020 | $186,820 Land $36,100 Building $150,720 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 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 368 locations within half a mile, as of December 31, 2025
| Provider | Max 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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