2220 Mill Trace Ln, Dayton, OH 45458 Property Records

Montgomery County property record for 2220 Mill Trace Ln, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,940 sqft · built 1977
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Sep 2021)
Tax Bill	$7,866 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67-21912-0027`

Property Details

APN / Parcel Number

Primary APN	`O67-21912-0027`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,940 sqft Living Area
Gross Area	3,658 sqft
1st Floor Area	1,988 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	160 ft deep x 100 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	120 sqft
Deck Area	270 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2220 MILL TRACE LN
City	DAYTON
State	OH
Zip	45458-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	188 WASHINGTON CREEK SEC 3
Legal Subdivision	WASHINGTON CREEK
Legal Lot Number	27
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4006
Census Tract	40303

Owner

2220 Mill Trace Ln is owned and occupied by two individuals who bought it in September 2021.

Source: Montgomery County records, as of December 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2220 MILL TRACE LN, DAYTON, OH 45458-2823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	Feb 5, 2016 · Amount on File
Deed Document Number	202172933
Prior Transfer Date	Dec 1, 2011
Prior Transfer Doc	0000073595
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 24, 2021
Property Address	2220 MILL TRACE LN, DAYTON, OH 45458-2823
Document Number	0000072933
Map Reference	MB 96 PG 35-35C
Instrument Date	Aug 12, 2021
Instrument	2021-00072933
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	FIDELITY LAWYERS TTL AGCY LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2220 MILL TRACE LN, DAYTON, OH 45458-2823

Mortgage

Document Number	0000072934
Date	Sep 24, 2021
Instrument	2021-00072934

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	2220 MILL TRACE LN, DAYTON, OH 45458-2823
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2100008034
Date	Feb 2, 2021
Instrument	2021-00008034

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$117,320 Land $18,760 Building $98,560	$335,190 Land $53,600 Building $281,590
2024	$7,866.00 (+8.84%)
2023	$7,227.00 (+6%)	$117,320 (+33.99%) Land $18,760 Building $98,560	$335,190 Land $53,600 Building $281,590
2022	$6,818.00	$87,560 Land $14,000 Building $73,560
2020			$250,170 Land $40,000 Building $210,170

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

FEMA maps place 2220 Mill Trace Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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.

Wildfire

The area around 2220 Mill Trace Ln 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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