32 Carma Dr, Dayton, OH 45426 Property Records

Montgomery County property record for 32 Carma Dr, Dayton, OH 45426

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,296 sqft · built 1956
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$119,500 (Dec 2021)
Tax Bill	$2,257 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`H33 00314 0018`

Property Details

APN / Parcel Number

Primary APN	`H33 00314 0018`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	972 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Lot Area	12,632 sqft
Lot Dimensions	176 ft deep x 71 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	364 sqft
Deck Area	364 sqft
Patio Area	364 sqft
Utility Building	52 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 CARMA DR
City	DAYTON
State	OH
Zip	45426-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18 CARMA
Legal Subdivision	CARMA
Legal Lot Number	18
Jurisdiction	MONTGOMERY OH
Township / Civil Division	TROTWOOD
Census Block Group	1
Census Block	1010
Census Tract	70500

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	Individual Name on Record
Mailing Address	32 CARMA DR, DAYTON, OH 45426-3602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 17, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on Record
Deed Sale	Dec 22, 2021 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	2021-00096202
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 22, 2021
Property Address	32 CARMA DR, DAYTON, OH 45426-3602
Document Number	0000096202
Map Reference	MB LL PG 5
Instrument Date	Nov 30, 2021
Instrument	2021-00096202
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TTL AGCY LL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CARMA DR, DAYTON, OH 45426-3602

Mortgage

Document Number	0000096206
Date	Dec 22, 2021
Instrument	2021-00096206

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Mortgage

Document Number	0000096207
Date	Dec 22, 2021
Instrument	2021-00096207

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 17, 2018
Property Address	32 CARMA DR, DAYTON, OH 45426-3602
Document Number	0000048397
Instrument Date	Aug 10, 2018
Instrument	48397
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$209.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CARMA DR TROTWOOD OH 454263602, TROTWOOD, OH 45426-3602

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,000 (-) Land $4,590 Building $29,410
2024	$2,257.00 (+2.22%)
2023	$2,208.00 (+27.63%)	$34,000 (+64.33%) Land $4,590 Building $29,410	$97,160 (+64.34%) Land $13,120 Building $84,040
2022	$1,730.00	$20,690 Land $2,800 Building $17,890
2020			$59,120 Land $8,000 Building $51,120

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Policies	6 in force
Nearby Flood Claims	4 (2004–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2022 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROTWOOD CITY PWS serves 9,000 people · EPA ID OH5702403
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Sep 2022
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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