25 E Lowery Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 25 E Lowery Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1930
Lot Size	0.121 acres (5,279 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2022)
Tax Bill	$1,775 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`K48 00109 0121`

Property Details

APN / Parcel Number

Primary APN	`K48 00109 0121`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,279 sqft (0.121 acres)
Lot Dimensions	132 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	25 E LOWERY AVE
City	DAYTON
State	OH
Zip	45449-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	469
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	121
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2005
Census Tract	50302

Owner

Source: Montgomery County records, as of January 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	25 E LOWERY AVE, DAYTON, OH 45449-1745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK OF WESTERN OHIO
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Oct 20, 2006 · Amount on Record
Deed Document Number	2022-00061012
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	25 E LOWERY AVE, DAYTON, OH 45449-1745
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 E LOWERY AVE, DAYTON, OH 45449-1745

Mortgage

Document Number	0000012892
Date	Mar 3, 2026
Instrument	2026-00012892

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2056

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 29, 2022
Property Address	25 E LOWERY AVE, DAYTON, OH 45449-1745
Document Number	0000061012
Instrument Date	Sep 19, 2022
Instrument	2022-00061012
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	ASPEN LAND TITLE AGCY, ASPEN LAND 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
Address	25 E LOWERY AVE, WEST CARROLLTON, OH 45449-1745

Mortgage

Document Number	0000061013
Date	Sep 29, 2022
Instrument	2022-00061013

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	25 E LOWERY AVE, DAYTON, OH 45449-1745
Document Number	0000065803
Instrument Date	Oct 10, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 E LOWERY AVE DAYTON OH 454491745, DAYTON, OH 45449-1745

Mortgage

Document Number	0000065803
Date	Nov 2, 2020
Instrument	65803

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	25 E LOWERY AVE, DAYTON, OH 45449-1745
Document Number	0000048600
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 E LOWERY AVE DAYTON OH 454491745, DAYTON, OH 45449-1745

Mortgage

Document Number	0000048600
Date	Aug 17, 2017
Instrument	48600

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 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		$28,090 (-) Land $5,800 Building $22,290
2024	$1,775.00 (+3.02%)
2023	$1,723.00 (+11.02%)	$28,090 (+41.87%) Land $5,800 Building $22,290	$80,270 (+41.89%) Land $16,580 Building $63,690
2022	$1,552.00	$19,800 Land $4,090 Building $15,710
2020			$56,570 Land $11,680 Building $44,890

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 104 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	8 (1989–2026)
Most Recent Claim	Aug 2026 · 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

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