Warren County property record for 2197 Cold Stream Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,832 sqft · built 2021 |
| Lot Size | 0.161 acres (7,048 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Aug 2024) |
| Tax Bill | $5,777 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-21-192-003-0 |
| Primary APN | 05-21-192-003-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,832 sqft Living Area |
| Basement Area | 574 sqft |
| Finished Basement | 574 sqft |
| Year Built | Built 2021 |
|---|---|
| Lot Area | 7,048 sqft (0.161 acres) |
| Garage Type | Attached |
| Account Number | 315239 |
|---|---|
| Street Address | 2197 COLD STREAM DR |
| City | DAYTON |
| State | OH |
| Zip | 45458-2992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VIL.WN.CRK/BLVD.WNC9 #708 |
| Legal Subdivision | VIL.WN.CRK/BLVD.WNC9 |
| Legal Block | 192 |
| Legal Lot Number | 708 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30902 |
Source: Warren County records, as of February 20, 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 | 2197 COLD STREAM DR, CENTERVILLE, OH 45458-2992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Apr 14, 2022 | Limited Warranty Deed, Transfer · Conventional Mortgage DEVELOPERS MORTGAGE CO |
| Nov 16, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2024 · Amount on Record |
| Deed Sale | Aug 16, 2024 · Amount on Record |
| Prior Sale | Jul 9, 2024 |
| Deed Document Number | 0000018014 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 2197 COLD STREAM DR, DAYTON, OH 45458-2992 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2197 COLD STREAM DR, CENTERVILLE, OH 45458-2992 |
| Document Number | 0000002094 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 2024-002094 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | May 1, 2052 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Apr 14, 2022 |
| Property Address | 2197 COLD STREAM DR, DAYTON, OH 45458-2992 |
| Document Number | 0000012697 |
| Map Reference | MB 102 PG 35&36 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022-012697 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2197 COLD STREAM DR, CENTERVILLE, OH 45458-2992 |
| Document Number | 0000012698 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 2022-012698 |
| Name | DEVELOPERS MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Nov 16, 2021 |
| Property Address | 2197 COLD STREAM DR, DAYTON, OH 45458-2992 |
| Document Number | 0000051801 |
| Map Reference | MB 102 PG 35&36 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021-051801 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1974 BYERS RD, MIAMISBURG, OH 45342-3249 |
| Investor | Possibly a Property Investor |
Source: Warren County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| County Subdivision | Clear Creek Township |
| Unified School District | Wayne Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,777.00 (+4.92%) | $125,276 (-) Land $35,000 Building $90,276 | $357,930 (-) Land $100,000 Building $257,930 |
| 2024 | $5,506.00 (+11.73%) | $125,276 (+28.66%) Land $35,000 Building $90,276 | $357,930 (+28.66%) Land $100,000 Building $257,930 |
| 2023 | $4,928.00 (+370.23%) | $97,367 (+371.51%) Land $20,650 Building $76,717 | |
| 2022 | $1,048.00 | $20,650 Land $20,650 | $278,190 (+371.51%) Land $59,000 Building $219,190 |
| 2021 | $59,000 Land $59,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · 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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
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 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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