Montgomery County property record for 2198 Cherry Oak Dr, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,375 sqft · built 1961 |
| Lot Size | 0.291 acres (12,689 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $272,000 (Sep 2026) |
| Tax Bill | $3,543 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-02311-0063 |
| Primary APN | N64-02311-0063 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,375 sqft Living Area |
| Gross Area | 1,815 sqft |
| 1st Floor Area | 1,375 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Frame/Masonry |
| Construction Type | Steel Frame |
| Lot Area | 12,689 sqft (0.291 acres) |
| Lot Dimensions | 135 ft deep x 94 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 418 sqft |
| Patio Area | 418 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2198 CHERRY OAK DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-1116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 63 WILMINGTON HILLS 3 |
| Legal Subdivision | WILMINGTON HILLS 3 |
| Legal Lot Number | 63 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21602 |
2198 Cherry Oak Dr is owner-occupied and held in a trust since September 2026.
Source: Montgomery County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2198 CHERRY OAK DR, DAYTON, OH 45440-1116 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Sep 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| Sep 26, 2023 | Deed of Trust, Mortgage · Line of Credit DAY AIR CREDIT UNION INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on File |
| Deed Sale | Sep 25, 2026 · Amount on File |
| Deed Document Number | 202657892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 25, 2026 |
| Property Address | 2198 CHERRY OAK DR, DAYTON, OH 45440-1116 |
| Document Number | 0000057892 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 202657892 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82,416.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 2198 CHERRY OAK DR, DAYTON, OH 45440-1116 |
| Document Number | 0000057893, |
|---|---|
| Date | Sep 25, 2026 |
| Instrument | 202657893 |
| Name | DAS ACQUISITION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2198 CHERRY OAK DR, DAYTON, OH 45440-1116 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2198 CHERRY OAK DR, DAYTON, OH 45440-1116 |
| Document Number | 0000049477 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | 202300049477 |
| Name | DAY AIR CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45429 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 2198 Cherry Oak Dr was $3,543.
Source: Montgomery County assessment roll, as of December 30, 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 | $3,543.00 | $65,710 Land $12,590 Building $53,120 | $187,740 Land $35,960 Building $151,780 |
| 2024 | $3,543.00 (+0.97%) | ||
| 2023 | $3,509.00 (+2.45%) | $65,710 (+25.42%) Land $12,590 Building $53,120 | $187,740 Land $35,960 Building $151,780 |
| 2022 | $3,425.00 | $52,390 Land $10,070 Building $42,320 | |
| 2020 | $149,680 Land $28,770 Building $120,910 |
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 2198 Cherry Oak Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
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 2198 Cherry Oak Dr 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 | 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 194 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures