2681 E River Rd, Moraine (Dayton), OH 45439 Property Records

Montgomery County property record for 2681 E River Rd, Moraine, OH 45439

Property Summary

Property Type	Light Industrial
Details	52,010 sqft · built 1968
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Feb 2026)
Tax Bill	$20,478 (2025)
Deeds & Mortgages	Feb 2026 Sale Apr 2024 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`J44-04105-0083`

Property Details

APN / Parcel Number

Primary APN	`J44-04105-0083`

Interior

Stories	1 Story
Building Area	52,010 sqft Gross Area
1st Floor Area	47,877 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Concrete Block
Lot Area	130,680 sqft (3 acres)
View / Lot	Industrial

Exterior Amenities

Porch	Open Porch
Porch Area	208 sqft
Utility Building	357 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2681 E RIVER RD
City	MORAINE
State	OH
Zip	45439-1533
Property Category	Industrial
Property Type	Industrial > Light Industrial
Legal Description	3270
Legal Subdivision	CITY/MORAINE REV
Legal Lot Number	83
Jurisdiction	MONTGOMERY OH
Township / Civil Division	MORAINE
Census Block Group	2
Census Block	2021
Census Tract	30100

Owner

Source: Montgomery County records, as of May 1, 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	2181 NEEDMORE RD, DAYTON, OH 45414-4143
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Warranty Deed, Transfer
Apr 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA
May 18, 2022	Deed of Trust, Mortgage ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Deed Document Number	20268286
Prior Transfer Date	Oct 24, 1997
Prior Transfer Doc	0000025024
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 10, 2026
Property Address	2681 E RIVER RD, MORAINE, OH 45439-1533
Document Number	0000008286
Instrument Date	Jan 16, 2026
Instrument	2026-00008286
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Amount	Amount Recorded
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	2181 NEEDMORE RD, DAYTON, OH 45414-4143

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	2681 E RIVER RD, MORAINE, OH 45439-1533
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 W COUNTY ROAD 250 S, GREENSBURG, IN 47240-8965

Mortgage

Document Number	0000019051
Date	Apr 15, 2024
Instrument	2024-00019051

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	12501 LAKEFRONT PL, LOUISVILLE, KY 40299

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2039

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	2681 E RIVER RD, MORAINE, OH 45439-1533
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032590
Date	May 18, 2022
Instrument	2022-00032590

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Amount	Amount Recorded
Term	83 Months
Due	Apr 27, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,478.00 (-44.26%)	$383,310 (-) Land $22,030 Building $361,280	$1,095,180 (-) Land $62,940 Building $1,032,240
2024	$36,740.00 (+2.71%)
2023	$35,772.00 (-16.76%)	$383,310 (-) Land $22,030 Building $361,280	$1,095,180 (-) Land $62,940 Building $1,032,240
2022	$42,976.00	$383,310 Land $22,030 Building $361,280
2020			$1,095,180 Land $62,940 Building $1,032,240

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 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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (1979–2001)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2001 · 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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Spectrum, Verizon.

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