3126 E Millstone Dr, Dayton, OH 45420 Property Records

Montgomery County property record for 3126 E Millstone Dr, Dayton, OH 45420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 2018
Lot Size	0.15 acres (6,560 sqft)
Owner	Company Name on Record
Last Sale	$45,000 (Feb 2018)
Tax Bill	$5,634 (2024)
Deeds & Mortgages	Jan 2019 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`N64 03402 0149`

Property Details

APN / Parcel Number

Primary APN	`N64 03402 0149`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft
Family Room	Family Room

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	6,560 sqft (0.15 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3126 E MILLSTONE DR
City	DAYTON
State	OH
Zip	45420-1187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31 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

Source: Montgomery County records, as of January 26, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3126 E MILLSTONE DR, DAYTON, OH 45420-1187
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jan 29, 2020	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Mar 22, 2019	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Feb 15, 2018	Warranty Deed, Transfer · ARM UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2018 · Amount on Record
Deed Sale	Feb 15, 2018 · Amount on Record
Prior Sale	Feb 15, 2018 · Amount on Record
Deed Document Number	0000009063
Last Transfer Date	Aug 16, 2024
Transfer Doc	0000043014
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3126 E MILLSTONE DR, DAYTON, 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	0000001171
Date	Jan 9, 2019
Instrument	2019-00001171

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3126 E MILLSTONE DR, DAYTON, OH 45420-1187
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	THIRD CAPITAL TTL CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003940
Date	Jan 19, 2021
Instrument	2021-00003940

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3126 E MILLSTONE DR, DAYTON, OH 45420-1187
Document Number	0000008385
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3126 E MILLSTONE DR KETTERING OH 454201187, KETTERING, OH 45420-1187

Mortgage

Document Number	0000008385
Date	Feb 4, 2020
Instrument	8385

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 3, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3126 E MILLSTONE DR, DAYTON, OH 45420-1187
Document Number	0000015598
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3126 E MILLSTONE DR KETTERING OH 454201187, KETTERING, OH 45420-1187

Mortgage

Document Number	0000015598
Date	Mar 29, 2019
Instrument	15598

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 28, 2034

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 15, 2018
Property Address	3126 E MILLSTONE DR, DAYTON, OH 45420-1187
Document Number	0000009063
Map Reference	MB 229 PG 21,21A&21B
Instrument Date	Jan 22, 2018
Instrument	2018-00009063
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGENCY SOUTH

Transaction

Amount	Amount Recorded
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 N PATTERSON BLVD, DAYTON, OH 45402-2188

Mortgage

Document Number	0000009064
Date	Feb 15, 2018
Instrument	2018-00009064

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2019
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

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	$5,634.00 (+1.26%)
2023	$5,564.00 (+367.56%)	$14,700 (-) Land $14,700	$42,000 (-) Land $42,000
2022	$1,190.00	$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

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

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.

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