Montgomery County property record for 2312 E Whipp Rd, Dayton, OH 45440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,230 sqft · built 1966 |
| Lot Size | 0.383 acres (16,701 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $329,000 (Aug 2026) |
| Tax Bill | $5,314 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-03017-0032 |
| Primary APN | N64-03017-0032 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,230 sqft Living Area |
| Gross Area | 2,670 sqft |
| 1st Floor Area | 1,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 16,701 sqft (0.383 acres) |
| Lot Dimensions | 167 ft deep x 100 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 40 sqft |
| Canopy | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2312 E WHIPP RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45440-2605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 376 OAK CREEK 2-6 |
| Legal Subdivision | OAK CREEK 2-6 |
| Legal Lot Number | 32 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21900 |
Source: Montgomery County records, as of August 26, 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 Record |
|---|---|
| Mailing Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Oct 31, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SERVICE FCU |
| Dec 21, 2021 | Deed of Trust, Mortgage · VA Mortgage SERVICE FCU |
| Oct 3, 2019 | Warranty Deed, Transfer · VA Mortgage WRIGHT-PATT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2026 · Amount on Record |
| Deed Sale | Aug 12, 2026 · Amount on Record |
| Prior Sale | Oct 3, 2019 · Amount on Record |
| Deed Document Number | 202647708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 12, 2026 |
| Property Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Document Number | 0000047708 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202647708 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99,687.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Document Number | 0000047709, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 202647709 |
| Name | UNION SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS STLMT SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 626 BLACK PINE RD, MONCKS CORNER, SC 29461-8920 |
| Document Number | 0000061293 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025-00061293 |
| Name | SERVICE FCU |
|---|---|
| Type | Credit Union |
| Address | PORTSMOUTH, NH 03801 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000095342 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021-00095342 |
| Name | SERVICE FCU |
|---|---|
| Type | Credit Union |
| Address | PORTSMOUTH, NH 03801 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Oct 3, 2019 |
| Property Address | 2312 E WHIPP RD, DAYTON, OH 45440-2605 |
| Document Number | 0000054610 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 54610 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2019 |
| Title Company | LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2312 E WHIPP RD KETTERING OH 454402605, KETTERING, OH 45440-2605 |
| Document Number | 54629 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 54629 |
| Name | WRIGHT-PATT CU |
|---|---|
| Type | Credit Union |
| Address | BEAVERCREEK, OH 45431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2049 |
Source: Montgomery County assessment roll, as of December 30, 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 | $5,314.00 | $83,500 (-) Land $19,060 Building $64,440 | $238,580 (-) Land $54,470 Building $184,110 |
| 2024 | $5,314.00 (+2.75%) | ||
| 2023 | $5,172.00 (+105.32%) | $83,500 (+29.82%) Land $19,060 Building $64,440 | $238,580 (+29.83%) Land $54,470 Building $184,110 |
| 2022 | $2,519.00 | $64,320 Land $14,670 Building $49,650 | |
| 2020 | $183,760 Land $41,900 Building $141,860 |
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.
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.
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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