265 E Whipp Rd, Dayton, OH 45459 Property Records

Montgomery County property record for 265 E Whipp Rd, Dayton, OH 45459

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,958 sqft · built 1949
Lot Size	2.49 acres (108,856 sqft)
Owner	2 Owner Names on Record
Last Sale	$147,500 (Dec 1999)
Tax Bill	$7,971 (2024)
Deeds & Mortgages	Sep 2019 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 03709 0089`

Property Details

APN / Parcel Number

Primary APN	`O67 03709 0089`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
1st Floor Area	1,008 sqft
Attic Area	836 sqft
Basement Area	318 sqft
Unfinished Basement	318 sqft
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Frame
Lot Area	108,856 sqft (2.49 acres)
Terrain	Above Road/Slope
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	370 sqft
Deck Area	25 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	265 E WHIPP RD
City	DAYTON
State	OH
Zip	45459-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-2-27
Legal Subdivision	MRS
Legal Lot Number	89
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2011
Census Tract	40201

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	2 Owner Names on Record
Mailing Address	265 E WHIPP RD, DAYTON, OH 45459-2105
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Sep 4, 2019	Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 1999 · Amount on Record
Deed Sale	Dec 9, 1999 · Amount on Record
Prior Sale	Dec 9, 1999 · Amount on Record
Deed Document Number	0000832A07
Deed Book / Page	O67
Last Transfer Date	Jun 18, 2001
Transfer Doc	0000412B10
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	265 E WHIPP RD, DAYTON, OH 45459-2105
Document Number	0000056693
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	265 E WHIPP RD DAYTON OH 454592105, DAYTON, OH 45459-2105

Mortgage

Document Number	0000056693
Date	Oct 11, 2019
Instrument	56693

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	265 E WHIPP RD, DAYTON, OH 45459-2105
Document Number	0000052777
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	265 E WHIPP RD DAYTON OH 454592105, DAYTON, OH 45459-2105

Mortgage

Document Number	0000052777
Date	Sep 26, 2019
Instrument	52777

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$118,770 (-) Land $42,660 Building $76,110
2024	$7,971.00 (+8.63%)
2023	$7,338.00 (-0.96%)	$118,770 (+25.17%) Land $42,660 Building $76,110	$339,340 (+25.17%) Land $121,880 Building $217,460
2022	$7,409.00	$94,890 Land $34,130 Building $60,760
2020			$271,100 Land $97,500 Building $173,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1982 · tidal / storm surge

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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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