3106 E Millstone Dr, Dayton, OH 45420 Property Records

Montgomery County property record for 3106 E Millstone Dr, Dayton, OH 45420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,523 sqft · built 2018
Lot Size	0.144 acres (6,316 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Jan 2018)
Tax Bill	$5,633 (2024)
Deeds & Mortgages	Oct 2018 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N64 03402 0154`

Property Details

APN / Parcel Number

Primary APN	`N64 03402 0154`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,523 sqft Living Area
1st Floor Area	1,523 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,316 sqft (0.144 acres)
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3106 E MILLSTONE DR
City	DAYTON
State	OH
Zip	45420-1187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36 PRUGH WOODS-A TIF 10YR 100%NC 2018-2027FD 2028
Legal Subdivision	PRUGH
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	1
Census Block	1002
Census Tract	21400

Owner

3106 E Millstone Dr is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3106 E MILLSTONE DR, DAYTON, OH 45420-1187
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

Date	Document
Oct 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 5, 2018	Warranty Deed, Transfer · ARM UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2018 · Amount on File
Deed Sale	Jan 5, 2018 · Amount on File
Deed Document Number	201800000851
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3106 E MILLSTONE DR, KETTERING, OH 45420-1187
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGENCY SOUTH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058223
Date	Oct 3, 2018
Instrument	2018-00058223

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 5, 2018
Property Address	3106 E MILLSTONE DR, KETTERING, OH 45420-1187
Document Number	0000000851
Map Reference	MB 229 PG 21,21A&21B
Instrument Date	Dec 28, 2017
Instrument	2018-00000851
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGENCY SOUTH

Transaction

Amount	Amount on Record
Tax	$135.00
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	3817 POBST DR, DAYTON, OH 45420-1049

Mortgage

Document Number	0000000852
Date	Jan 5, 2018
Instrument	2018-00000852

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	4.99%
Index	1-Year CMT
Max Rate	8.99%

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Kettering City
Unified School District	Kettering City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$14,700 Land $14,700
2024	$5,633.00 (+0.63%)
2023	$5,598.00 (-20.84%)	$14,700 (-) Land $14,700	$42,000 Land $42,000
2022	$7,072.00	$14,700 Land $14,700
2020			$42,000 Land $42,000

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 3106 E Millstone Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2013 · rainfall accumulation

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

Wildfire risk around 3106 E Millstone 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: altafiber Network Solutions.

Nearby Properties on E Millstone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures