Montgomery County property record for 304 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,298 sqft · built 1940 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,064 (2024) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00103 0033 |
| Primary APN | K48 00103 0033 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,298 sqft Living Area |
| 1st Floor Area | 1,082 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,752 sqft (0.155 acres) |
| Lot Dimensions | 150 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 32 sqft |
| Patio Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 304 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 533 |
| Legal Subdivision | CITY/WEST CARROLLTON REV |
| Legal Lot Number | 33 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 50301 |
304 E Cottage Ave is owned and occupied by an individual who acquired it in February 1995.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 1995 |
| Deed Sale | Feb 9, 1995 |
| Deed Document Number | 0002176 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 304 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1348 |
| Document Number | 0000011880 |
| Instrument Date | Feb 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 304 E COTTAGE AVE DAYTON OH 454491348, DAYTON, OH 45449-1348 |
| Document Number | 0000011880 |
|---|---|
| Date | Mar 8, 2019 |
| Instrument | 11880 |
| Name | FIFTH THIRD BK/WSTN OH |
|---|---|
| Type | Bank |
| Address | CININNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 7, 2049 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $53,870 Land $6,560 Building $47,310 | ||
| 2024 | $3,064.00 (+3.65%) | ||
| 2023 | $2,956.00 (+17.63%) | $53,870 (+41.88%) Land $6,560 Building $47,310 | $153,900 Land $18,730 Building $135,170 |
| 2022 | $2,513.00 | $37,970 Land $4,620 Building $33,350 | |
| 2020 | $108,480 Land $13,190 Building $95,290 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1989.
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 |
| 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 |
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.
The area around 304 E Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures