2712 E Millstone Dr, Dayton, OH 45420 Property Records

Montgomery County property record for 2712 E Millstone Dr, Dayton, OH 45420

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,184 sqft · built 2020
Lot Size	0.127 acres (5,554 sqft)
Owner	Individual Name on Record
Last Sale	$42,000 (Mar 2020)
Tax Bill	$5,900 (2024)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N64 03402 0159`

Property Details

APN / Parcel Number

Primary APN	`N64 03402 0159`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,554 sqft (0.127 acres)
Garage Area	400 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2712 E MILLSTONE DR
City	DAYTON
State	OH
Zip	45420-1185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	41 PRUGH WOODS-A TIF 10YR 100%NC 2018-2027FD 2028
Legal Subdivision	PRUGH
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	1
Census Block	1002
Census Tract	21400

Owner

Source: Montgomery County records, as of January 26, 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
Co-owner	Co-owner on Record
Mailing Address	2712 E MILLSTONE DR, DAYTON, OH 45420-1185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2020 · Amount on Record
Deed Sale	Mar 4, 2020 · Amount on Record
Deed Document Number	202000014550
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 4, 2020
Property Address	2712 E MILLSTONE DR, DAYTON, OH 45420-1185
Document Number	0000014550
Map Reference	MB 229 PG 21-21B
Instrument Date	Feb 28, 2020
Instrument	2020-00014550
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

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
Relationship	Right of Survivorship
Address	2712 E MILLSTONE DR, KETTERING, OH 45420-1185

Mortgage

Document Number	0000014551
Date	Mar 4, 2020
Instrument	2020-00014551

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$14,700 (-) Land $14,700
2024	$5,900.00 (+4.31%)
2023	$5,656.00 (-20.86%)	$14,700 (-) Land $14,700	$42,000 (-) Land $42,000
2022	$7,147.00	$14,700 Land $14,700
2020			$42,000 Land $42,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2013 · 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 98% of the US · lower than 90% 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 364 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: altafiber Network Solutions.

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