247 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 247 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,472 sqft · built 1915
Lot Size	0.141 acres (6,151 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jul 2024)
Tax Bill	$2,622 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`K48-00103-0017`

Property Details

APN / Parcel Number

Primary APN	`K48-00103-0017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,472 sqft Living Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Old Style
Exterior Material	Block
Construction Type	Steel Frame
Lot Area	6,151 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
View / Lot	Neighborhood / Spot
Porch	Open Concrete/Masonry Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	247 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	311
Legal Subdivision	WEST CARROLLTON
Legal Lot Number	17
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1042
Census Tract	50301

Owner

Source: Montgomery County records, as of October 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	247 E COTTAGE AVE, DAYTON, OH 45449-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Jul 7, 2021	Fiduciary Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC
May 5, 2021	Fiduciary Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	202434082
Prior Transfer Date	Dec 15, 1998
Prior Transfer Doc	9900000004
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	247 E COTTAGE AVE, DAYTON, OH 45449-1429
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033974
Date	May 5, 2021
Instrument	2021-00033974

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

July 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 7, 2021
Property Address	247 E COTTAGE AVE, DAYTON, OH 45449-1429
Document Number	0000051263
Instrument Date	Feb 2, 2021
Instrument	2021-00051263
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN HOMELAND TITLE

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
Relationship	Right of Survivorship
Address	247 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1429

Mortgage

Document Number	0000051264
Date	Jul 7, 2021
Instrument	2021-00051264

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Mar 1, 2051

May 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 5, 2021
Property Address	247 E COTTAGE AVE, DAYTON, OH 45449-1429
Document Number	0000033873
Instrument Date	Feb 2, 2021
Instrument	2021-00033873
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN HOMELAND TITLE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	247 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1429

Mortgage

Document Number	0000033874
Date	May 5, 2021
Instrument	2021-00033874

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$2,622.00	$37,580 (-) Land $6,250 Building $31,330	$107,380 (-) Land $17,860 Building $89,520
2024	$2,622.00 (+8.03%)
2023	$2,427.00 (+10.47%)	$37,580 (+41.86%) Land $6,250 Building $31,330	$107,380 (+41.89%) Land $17,860 Building $89,520
2022	$2,197.00	$26,490 Land $4,400 Building $22,090
2020			$75,680 Land $12,570 Building $63,110

Assessed value is set for property tax purposes, not a market price estimate; it is 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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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