228 S Main St, Centerville (Dayton), OH 45458 Property Records

Montgomery County property record for 228 S Main St, Centerville, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 1962
Lot Size	0.331 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Dec 2024)
Tax Bill	$5,249 (2024)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O68-00152-0030`

Property Details

APN / Parcel Number

Primary APN	`O68-00152-0030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,349 sqft
1st Floor Area	1,950 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	14,375 sqft (0.331 acres)
Lot Dimensions	126 ft deep x 115 ft wide
View / Lot	Major Commercial Strip
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	192 sqft
Patio Area	375 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	228 S MAIN ST
City	CENTERVILLE
State	OH
Zip	45458-2560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	526 SON 3 SEC 5
Legal Subdivision	SON 3
Legal Lot Number	30
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3020
Census Tract	40302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	228 S MAIN ST, CENTERVILLE, OH 45458-2560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2024	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Nov 18, 2020	Warranty Deed, Transfer · Conventional with PMI CIVISTA BK
Aug 26, 2020	Deed of Trust, Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2024 · Amount on Record
Deed Sale	Dec 5, 2024 · Amount on Record
Prior Sale	Nov 18, 2020 · Amount on Record
Deed Document Number	202465193
Prior Transfer Date	Aug 23, 2016
Prior Transfer Doc	0000049297
Record Updated	Jun 8, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 5, 2024
Property Address	228 S MAIN ST, CENTERVILLE, OH 45458-2560
Document Number	0000065193
Map Reference	MB 62 PG 34
Instrument Date	Nov 7, 2024
Instrument	2024-00065193
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGENCY SOUTH

Transaction

Amount	Amount Recorded
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
Address	228 S MAIN ST, CENTERVILLE, OH 45458-2560

Mortgage

Document Number	0000065194
Date	Dec 5, 2024
Instrument	2024-00065194

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2054

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 18, 2020
Property Address	228 S MAIN ST, CENTERVILLE, OH 45458-2560
Document Number	0000069798
Instrument Date	Oct 2, 2020
Instrument	69798
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	228 S MAIN ST CENTERVILLE OH 454582560, CENTERVILLE, OH 45458-2560

Mortgage

Document Number	69873
Date	Nov 18, 2020
Instrument	69873

Lender

Name	CIVISTA BK
Address	SANDUSKY, OH 44870

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	228 S MAIN ST, CENTERVILLE, OH 45458-2560
Document Number	0000060301
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 S MAIN ST CENTERVILLE OH 454582560, CENTERVILLE, OH 45458-2560

Mortgage

Document Number	0000060301
Date	Oct 7, 2020
Instrument	60301

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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
Municipality	Centerville City
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$82,620 (-) Land $14,390 Building $68,230	$236,030 (-) Land $41,100 Building $194,930
2024	$5,249.00 (+9.35%)
2023	$4,800.00 (+8.57%)	$82,620 (+36.92%) Land $14,390 Building $68,230	$236,030 (+36.91%) Land $41,100 Building $194,930
2022	$4,421.00	$60,340 Land $10,500 Building $49,840
2020			$172,400 Land $30,000 Building $142,400

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

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

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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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