Warren County property record for 2245 Cold Stream Dr, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 673 sqft · built 2021 |
| Lot Size | 0.158 acres (6,874 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,170 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-21-195-004-0 |
| Primary APN | 05-21-195-004-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 673 sqft Living Area |
| Basement Area | 673 sqft |
| Finished Basement | 673 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Combination |
| Lot Area | 6,874 sqft (0.158 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 315267 |
|---|---|
| Street Address | 2245 COLD STREAM DR |
| City | CENTERVILLE |
| State | OH |
| Zip | 45458-2994 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VIL.WN.CRK/BLVD.WC9A LOT 696 |
| Legal Subdivision | VIL.WN.CRK/BLVD.WC9A |
| Legal Block | 67 |
| Legal Lot Number | 696 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | CLEAR CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30902 |
2245 Cold Stream Dr is owned and occupied by two individuals who acquired it in April 2022.
Source: Warren County records, as of February 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2245 COLD STREAM DR, CENTERVILLE, OH 45458-2994 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Apr 28, 2022 | Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Jan 11, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2022 |
| Deed Sale | Apr 28, 2022 |
| Prior Sale | Jan 11, 2022 · Amount on File |
| Deed Document Number | 202214404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Apr 28, 2022 |
| Property Address | 2245 COLD STREAM DR, DAYTON, OH 45458-2994 |
| Document Number | 0000014404 |
| Map Reference | MB 102 PG 37-39 |
| Instrument Date | Apr 18, 2022 |
| Instrument | 2022-014404 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Amount | Amount on Record |
|---|---|
| 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 | 2245 COLD STREAM DR, CENTERVILLE, OH 45458-2994 |
| Investor | Possibly a Property Investor |
| Document Number | 0000014405 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 2022-014405 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Jan 11, 2022 |
| Property Address | 2245 COLD STREAM DR, DAYTON, OH 45458-2994 |
| Document Number | 0000001428 |
| Map Reference | MB 102 PG 37-39 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022-001428 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Amount | Amount on Record |
|---|---|
| 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 |
The 2025 property tax bill for 2245 Cold Stream Dr was $6,170, up 4.9% from the year before.
Source: Warren County assessment roll, as of February 9, 2026
| 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 | $6,170.00 (+4.93%) | $133,820 (+%) Land $35,000 Building $98,820 | $382,330 (-) Land $100,000 Building $282,330 |
| 2024 | $5,880.00 (+11.05%) | $133,816 (+27.87%) Land $35,000 Building $98,816 | $382,330 Land $100,000 Building $282,330 |
| 2023 | $5,295.00 (+405.25%) | $104,650 (+406.78%) Land $20,650 Building $84,000 | |
| 2022 | $1,048.00 | $20,650 Land $20,650 | $299,000 (+406.78%) Land $59,000 Building $240,000 |
| 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.
FEMA maps place 2245 Cold Stream Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
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 File 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.
Wildfire risk around 2245 Cold Stream Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 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 14 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 |
| Starlink Satellite | 280 / 30 |
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