29 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 29 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,456 sqft · built 1888
Lot Size	0.137 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2022)
Tax Bill	$3,460 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`K48 00102 0023`

Property Details

APN / Parcel Number

Primary APN	`K48 00102 0023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 2019
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,998 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	29 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	277
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	23
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1009
Census Tract	50301

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	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Warranty Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC
Nov 8, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 13, 2019	Quit Claim Deed, Transfer HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC
Jan 24, 2019	Quit Claim Deed, Transfer OHIO REAL TITLE
May 21, 2018	Quit Claim Deed, Transfer OHIO REAL TITLE
Jan 17, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Prior Sale	Nov 8, 2019 · Amount on Record
Deed Document Number	2022-00068975
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 3, 2022
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000068975
Instrument Date	Oct 18, 2022
Instrument	2022-00068975
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	NOT AVAILABLE, M&M 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	29 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1454

Mortgage

Document Number	0000068976
Date	Nov 3, 2022
Instrument	2022-00068976

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 8, 2019
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000062315
Instrument Date	Nov 7, 2019
Instrument	62315
Transaction Type	Transfer
Record Updated	Nov 29, 2019
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$408.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 E COTTAGE AVE DAYTON OH 454491454, DAYTON, OH 45449-1454

Mortgage

Document Number	62316
Date	Nov 8, 2019
Instrument	62316

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 13, 2019
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000024210
Instrument Date	May 2, 2019
Instrument	24210
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$186.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	535 N MAIN ST SPRINGBORO OH 450669555, SPRINGBORO, OH 45066-9555

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 24, 2019
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000004296
Instrument Date	Dec 10, 2018
Instrument	4296
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	OHIO REAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14800 LANDMARK BLVD #400 DALLAS TX 752547598, 400, DALLAS, TX 75254-7598

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 21, 2018
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000029511
Instrument Date	Apr 27, 2018
Instrument	29511
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	OHIO REAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14800 LANDMARK BLVD #400 DALLAS TX 752547598, 400, DALLAS, TX 75254-7598

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 17, 2018
Property Address	29 E COTTAGE AVE, DAYTON, OH 45449-1454
Document Number	0000003235
Instrument Date	Jan 3, 2018
Instrument	3235
Transaction Type	Foreclosure
Record Updated	Feb 12, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14800 LANDMARK BLVD #400 DALLAS TX 752547598, 400, DALLAS, TX 75254-7598

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		$50,060 (-) Land $6,170 Building $43,890
2024	$3,460.00 (+5.78%)
2023	$3,271.00 (+10.32%)	$50,060 (+41.85%) Land $6,170 Building $43,890	$143,040 (+41.88%) Land $17,640 Building $125,400
2022	$2,965.00	$35,290 Land $4,350 Building $30,940
2020			$100,820 Land $12,420 Building $88,400

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 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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