3 E Central Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 3 E Central Ave, Dayton, OH 45449 · Last verified May 2026

Property Summary

Property Type	Bank, Financial Building
Lot Size	0.112 acres (4,861 sqft)
Owner	Company Name on File
Last Sale	$295,000 (Jan 2026)
Tax Bill	$356 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Jan 2026 Sale + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`K48-00104-0108`

Property Details

APN / Parcel Number

Primary APN	`K48-00104-0108`

Interior

Units	3 Units

Exterior

Lot Area	4,861 sqft (0.112 acres)
Lot Dimensions	165 ft deep x 24 ft wide
View / Lot	Major Commercial Strip

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 E CENTRAL AVE
City	DAYTON
State	OH
Zip	45449-1800
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	38 PT
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	108
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2053
Census Tract	50301

Owner

Source: Montgomery County records · APN K48-00104-0108

Assessment roll updated December 30, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 684, NACHES, WA 98937-0684
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Construction Mortgage CIVISTA BANK
Jan 29, 2026	Deed, Transfer VANTAGE LAND TITLE
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit PMGT LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	20265641
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Apr 23, 2026
Property Address	3 E CENTRAL AVE, DAYTON, OH 45449-1800
Document Number	0000024780
Instrument Date	Apr 21, 2026
Instrument	202624780
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000024780,
Date	Apr 23, 2026
Instrument	202624780

Lender

Name	CIVISTA BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 29, 2026
Property Address	3 E CENTRAL AVE, DAYTON, OH 45449-1800
Document Number	0000005641
Instrument Date	Jan 08, 2026
Instrument	2026-00005641
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	VANTAGE LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 684, NACHES, WA 98937-0684

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3 E CENTRAL AVE, DAYTON, OH 45449-1800
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	WIGLEY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061057
Date	Aug 13, 2021
Instrument	2021-00061057

Lender

Name	PMGT LLC
Type	Non-Lending Institution
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated December 30, 2025 · Last verified May 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$356.00 (+19.87%)	$2,450 (-) Land $810 Building $1,640	$6,990 (-) Land $2,310 Building $4,680
2024	$297.00 (+17.39%)
2023	$253.00 (-8%)	$2,450 (-) Land $810 Building $1,640	$6,990 (-) Land $2,310 Building $4,680
2022	$275.00	$2,450 Land $810 Building $1,640
2020			$6,990 Land $2,310 Building $4,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391130503012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Reduced by levee depends on levee performance
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1989–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 383 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless (licensed-by-rule)	400 / 40
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Frontier, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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