235 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 235 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,402 sqft · built 1920
Lot Size	0.141 acres (6,151 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Jul 2018)
Tax Bill	$2,831 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2026 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`K48-00103-0015`

Property Details

APN / Parcel Number

Primary APN	`K48-00103-0015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,402 sqft Living Area
1st Floor Area	624 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	132 sqft
Deck Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	235 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1458
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	313
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	15
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1042
Census Tract	50301

Owner

235 E Cottage Ave is owned and occupied by an individual who bought it in July 2018.

Source: Montgomery County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
May 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 26, 2018	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2018 · Amount on File
Deed Sale	Jul 26, 2018 · Amount on File
Prior Sale	Oct 21, 2005 · Amount on File
Deed Document Number	201843211
Prior Transfer Date	May 5, 2005
Prior Transfer Doc	0000043484
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 30, 2026
Property Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458
Document Number	0000044756
Instrument Date	Jul 25, 2026
Instrument	202644756
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458

Mortgage

Document Number	0000044756,
Date	Jul 30, 2026
Instrument	202644756

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 25, 2041

Interest

Rate	5.84%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	May 27, 2026
Property Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458
Document Number	0000031077
Instrument Date	May 18, 2026
Instrument	202631077
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458

Mortgage

Document Number	0000031077,
Date	May 27, 2026
Instrument	202631077

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458
Document Number	0000000255
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 E COTTAGE AVE WEST CARROLLTON OH 454491458, WEST CARROLLTON, OH 45449-1458

Mortgage

Document Number	0000000255
Date	Jan 4, 2021
Instrument	255

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 3, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 26, 2018
Property Address	235 E COTTAGE AVE, DAYTON, OH 45449-1458
Document Number	0000043211
Instrument Date	Jul 12, 2018
Instrument	43211
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 E COTTAGE AVE WEST CARROLLTON OH 454491458, WEST CARROLLTON, OH 45449-1458

Mortgage

Document Number	43212
Date	Jul 26, 2018
Instrument	43212

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 235 E Cottage Ave was $2,831.

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,831.00	$39,350 Land $6,250 Building $33,100	$112,430 Land $17,860 Building $94,570
2024	$2,831.00 (+8.47%)
2023	$2,610.00 (+10.27%)	$39,350 (+41.9%) Land $6,250 Building $33,100	$112,430 Land $17,860 Building $94,570
2022	$2,367.00	$27,730 Land $4,400 Building $23,330
2020			$79,240 Land $12,570 Building $66,670

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

FEMA maps place 235 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1979.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	4 (1979–2005)
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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

The area around 235 E Cottage Ave 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV 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.

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