Montgomery County property record for 227 E Central Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,714 sqft · built 1900 |
| Lot Size | 0.162 acres (7,096 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,533 (2024) |
| Deeds & Mortgages | Nov 2025 Sale Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00107 0023 |
| Primary APN | K48 00107 0023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,714 sqft Living Area |
| 1st Floor Area | 841 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,096 sqft (0.162 acres) |
| Lot Dimensions | 165 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 227 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 227 E CENTRAL AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 172-173 PTS 1-7-24 |
| Legal Subdivision | CITY/WEST CARROLLTON REV |
| Legal Lot Number | 23 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 50301 |
Source: Montgomery County records · APN K48 00107 0023
Assessment roll updated January 1, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 227 E CENTRAL AVE, WEST CARROLLTON, OH 45449-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2025 | Certificate of Transfer, Transfer |
| Feb 22, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Nov 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage MYCUMORTGAGE |
| Jan 22, 2021 | Affidavit of Death of Joint Tenant, Transfer FIFTH THIRD BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 21, 2025 |
| Deed Sale | Nov 21, 2025 |
| Prior Sale | Jul 17, 2015 |
| Deed Document Number | 2025-00066199 |
| Record Updated | Jun 08, 2026 |
| Document Type | Certificate of Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Nov 21, 2025 |
| Property Address | 227 E CENTRAL AVE, DAYTON, OH 45449-1804 |
| Document Number | 0000066199 |
| Instrument Date | Nov 03, 2025 |
| Instrument | 2025-00066199 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 227 E CENTRAL AVE, WEST CARROLLTON, OH 45449-1804 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 227 E CENTRAL AVE, DAYTON, OH 45449-1804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000012133 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 2022-00012133 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 357 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 227 E CENTRAL AVE, WEST CARROLLTON, OH 45449-1804 |
| Document Number | 0000005256 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2021 |
| Title Company | LANDMARK TITLE |
| Name | Verified Name |
|---|---|
| Address | 9540 TAHOE DR WASHINGTON TOWNS OHIO 45458, OHIO, 45458 |
| Document Number | 0000005256 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 5256 |
| Name | MYCUMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BEAVERCREEK, OH 45431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2051 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 22, 2021 |
| Property Address | 227 E CENTRAL AVE, WEST CARROLLTON, OH 45449-1804 |
| Document Number | 0000005254 |
| Instrument Date | Feb 05, 2020 |
| Instrument | 2021-00005254 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 227 E CENTRAL AVE, DAYTON, OH 45449-1804 |
| Investor | Possibly a Property Investor |
| Document Number | 2100005256 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021-00005256 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 350 Months |
| Due | Mar 01, 2050 |
Source: Montgomery County records · Assessment roll updated January 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $32,000 (-) Land $6,730 Building $25,270 | ||
| 2024 | $2,533.00 (+13.03%) | $32,000 (-) Land $6,730 Building $25,270 | |
| 2023 | $2,241.00 (+64.42%) | $32,000 (+41.84%) Land $6,730 Building $25,270 | $91,440 (+41.88%) Land $19,240 Building $72,200 |
| 2022 | $1,363.00 | $22,560 Land $4,740 Building $17,820 | |
| 2020 | $64,450 Land $13,550 Building $50,900 |
Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), as of June 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391130503012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1989–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2020 · other causes |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Frontier.
Based on FCC filings for 383 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OH5702812, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WEST CARROLLTON CITY PWS serves 8,361 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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