1. Home
  2. Ohio
  3. Montgomery County
  4. Dayton
  5. E Cottage Ave

322 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 322 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,578 sqft · built 1932
Lot Size0.155 acres (6,752 sqft)
OwnerIndividual Name on Record
Last Sale$89,300 (Sep 2005)
Tax Bill$2,243 (2024)
Deeds & MortgagesApr 2020 Mortgage
Flood ZoneZone X (reduced by levee)
APNK48-00103-0030

Property Details

APN / Parcel Number

Primary APNK48-00103-0030

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,578 sqft Living Area
1st Floor Area1,040 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1932
Architectural StyleOld Style
Exterior MaterialAluminum/Vinyl
Lot Area6,752 sqft (0.155 acres)
Lot Dimensions150 ft deep x 45 ft wide
View / LotNeighborhood / Spot
Garage TypeDetached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchOpen Concrete/Masonry Porch
Porch Area208 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address322 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1348
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description536
Legal SubdivisionCITY/WEST CARROLLTON REV
Legal Lot Number30
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2028
Census Tract50301

Owner

Source: Montgomery County records, as of December 30, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address322 E COTTAGE AVE, DAYTON, OH 45449-1348
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 1, 2005 · Amount on Record
Deed SaleSep 1, 2005 · Amount on Record
Prior SaleOct 25, 2004 · Amount on Record
Deed Document Number200588788
Last Transfer DateJun 14, 2019
Transfer Doc0000030958
Record UpdatedSep 20, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address322 E COTTAGE AVE, DAYTON, OH 45449-1348
Document Number0000025784
Instrument DateApr 25, 2020
Transaction TypeMortgage
Record UpdatedJul 15, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address322 E COTTAGE AVE DAYTON OH 454491348, DAYTON, OH 45449-1348

Mortgage

Document Number0000025784
DateMay 5, 2020
Instrument25784
Lender
NameFIFTH THIRD BK NA
AddressCINCINNATI, OH 45227
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 4, 2035

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityWest Carrollton City
Unified School DistrictWest Carrollton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$42,040 (-) Land $6,560 Building $35,480$120,110 (-) Land $18,730 Building $101,380
2024$2,243.00 (+5.85%)
2023$2,119.00 (+21.02%)$42,040 (+41.88%) Land $6,560 Building $35,480$120,110 (+41.87%) Land $18,730 Building $101,380
2022$1,751.00$29,630 Land $4,620 Building $25,010
2020$84,660 Land $13,190 Building $71,470

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims4 (1989–2020)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 2020 · 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 RiskNot 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 SystemWEST CARROLLTON CITY PWS
serves 8,361 people · EPA ID OH5702812
Water SourceGroundwater
Last State InspectionJan 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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

ProviderMax 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

Nearby Properties on E Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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