309 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 309 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,095 sqft · built 1916
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$76,000 (Apr 2019)
Tax Bill	$2,490 (2024)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`K48 00103 0019`

Property Details

APN / Parcel Number

Primary APN	`K48 00103 0019`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,095 sqft Living Area
1st Floor Area	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
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	Mixed
Garage Area	280 sqft
Carport	Carport
Carport Area	120 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	154 sqft
Deck Area	165 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	547
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	19
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1037
Census Tract	50301

Owner

309 E Cottage Ave is owned and occupied by an individual who bought it in April 2019.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	309 E COTTAGE AVE, DAYTON, OH 45449-1347
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2019 · Amount on File
Deed Sale	Apr 17, 2019 · Amount on File
Prior Sale	Oct 2, 2015 · Amount on File
Deed Document Number	2019-00019309
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Apr 17, 2019
Property Address	309 E COTTAGE AVE, DAYTON, OH 45449-1347
Document Number	0000019309
Instrument Date	Apr 5, 2019
Instrument	19309
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	NATIONAL TITLE BOX

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E COTTAGE AVE WEST CARROLLTON OH 454491347, WEST CARROLLTON, OH 45449-1347

Mortgage

Document Number	19310
Date	Apr 17, 2019
Instrument	19310

Lender

Name	DAY AIR CU
Type	Credit Union
Address	KETTERING, OH 45429

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2049

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		$36,590 Land $6,560 Building $30,030
2024	$2,490.00 (+6.82%)
2023	$2,331.00 (+10.42%)	$36,590 (+41.88%) Land $6,560 Building $30,030	$104,530 Land $18,730 Building $85,800
2022	$2,111.00	$25,790 Land $4,620 Building $21,170
2020			$73,680 Land $13,190 Building $60,490

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

FEMA maps place 309 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1979.

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 File 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

The area around 309 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.

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 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