Montgomery County property record for 31 McCullough Dr, Springboro, OH 45066
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,604 sqft · built 2004 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Feb 2026) |
| Tax Bill | $5,026 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Feb 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | K45200126-0031 |
| Primary APN | K45200126-0031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,604 sqft Living Area |
| Gross Area | 1,954 sqft |
| 1st Floor Area | 408 sqft |
| Basement Area | 308 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,189 sqft (0.188 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Stoop |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 238 sqft |
| Patio Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 31 MCCULLOUGH DR |
|---|---|
| City | SPRINGBORO |
| State | OH |
| Zip | 45066-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 259 THE HIGHLANDS AT SETTLERS WALK SEC 8 |
| Legal Subdivision | THE HIGHLANDS AT SETTLERS WALK |
| Legal Lot Number | 237 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50106 |
31 McCullough Dr is owned and occupied by two individuals who bought it in February 2026.
Source: Montgomery County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Feb 17, 2026 | Deed, Transfer · Conventional Mortgage PRIME LENDING INC |
| Oct 26, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2026 · Amount on File |
| Deed Sale | Feb 17, 2026 · Amount on File |
| Prior Sale | May 14, 2015 · Amount on File |
| Deed Document Number | 20269137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000077705 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021-00077705 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 30, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 17, 2026 |
| Property Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000009137 |
| Map Reference | MB 189 PG 38-484 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 2026-00009137 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | CLARITY TITLE LLC, CITY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000009138 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026-00009138 |
| Name | PRIME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 31 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000066852 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 MCCULLOUGH DR SPRINGBORO OH 450667803, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000066852 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 66852 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 4, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 31 McCullough Dr was $5,026, down 0.2% from the year before.
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| County Subdivision | Miami Township |
| Municipality | Springboro City |
| Unified School District | Springboro Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,026.00 (-0.18%) | $98,170 Land $21,870 Building $76,300 | $280,480 Land $62,480 Building $218,000 |
| 2024 | $5,035.00 (-1.29%) | ||
| 2023 | $5,101.00 (+30.23%) | $98,170 (+42.01%) Land $21,870 Building $76,300 | $280,480 Land $62,480 Building $218,000 |
| 2022 | $3,917.00 | $69,130 Land $15,400 Building $53,730 | |
| 2020 | $197,520 Land $44,000 Building $153,520 |
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.
FEMA maps place 31 McCullough Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 25, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 31 McCullough Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 573 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures