Montgomery County property record for 2278 E Whipp Rd, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,265 sqft · built 1967 |
| Lot Size | 0.326 acres (14,218 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $163,500 (Nov 2004) |
| Tax Bill | $5,531 (2024) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 03017 0036 |
| Primary APN | N64 03017 0036 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,265 sqft Living Area |
| 1st Floor Area | 1,999 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 14,218 sqft (0.326 acres) |
| Lot Dimensions | 158 ft deep x 90 ft wide |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 130 sqft |
| Deck Area | 275 sqft |
| Patio Area | 92 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2278 E WHIPP RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-2656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 380 OAK CREEK 2 |
| Legal Subdivision | OAK CREEK |
| Legal Lot Number | 36 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21900 |
The current owner of 2278 E Whipp Rd bought it in November 2004.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2278 E WHIPP RD, DAYTON, OH 45440-2656 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2004 · Amount on File |
| Deed Sale | Nov 2, 2004 · Amount on File |
| Prior Sale | Oct 9, 1996 · Amount on File |
| Deed Document Number | 04-124358 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2278 E WHIPP RD, DAYTON, OH 45440-2656 |
| Document Number | 0000022947 |
| Instrument Date | Apr 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2017 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2276 E WHIPP RD KETTERING OH 454402656, KETTERING, OH 45440-2656 |
| Document Number | 0000022947 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 22947 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 17, 2032 |
Source: Montgomery County assessment roll, as of January 1, 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 | $86,910 Land $17,420 Building $69,490 | ||
| 2024 | $5,531.00 (+2.75%) | ||
| 2023 | $5,383.00 (+2.69%) | $86,910 (+29.83%) Land $17,420 Building $69,490 | $248,300 Land $49,770 Building $198,530 |
| 2022 | $5,242.00 | $66,940 Land $13,400 Building $53,540 | |
| 2020 | $191,240 Land $38,280 Building $152,960 |
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 2278 E Whipp Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 Claims | 2 (1978) |
| Most Recent Claim | Dec 1978 · 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.
The area around 2278 E Whipp Rd 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 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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