Montgomery County property record for 338 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 859 sqft · built 1940 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Sep 2026) |
| Tax Bill | $2,537 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage May 2019 Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00103-0027 |
| Primary APN | K48-00103-0027 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 859 sqft Living Area |
| 1st Floor Area | 859 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,752 sqft (0.155 acres) |
| Lot Dimensions | 150 ft deep x 45 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 35 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 338 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 539 |
| Legal Subdivision | CITY/WEST CARROLLTON REV |
| Legal Lot Number | 27 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 50301 |
Source: Montgomery County records, as of October 13, 2026
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 338 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION |
| May 8, 2019 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2026 · Amount on File |
| Deed Sale | Sep 29, 2026 · Amount on File |
| Prior Sale | Jan 21, 2015 · Amount on File |
| Deed Document Number | 202658267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 29, 2026 |
| Property Address | 338 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Document Number | 0000058267 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 202658267 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $49,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 338 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Document Number | 0000058268, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 202658268 |
| Name | WRIGHT-PATT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 338 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Document Number | 0000025347 |
| Instrument Date | May 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 338 E COTTAGE AVE DAYTON OH 454491348, DAYTON, OH 45449-1348 |
| Document Number | 0000025347 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 25347 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 16, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,537.00 | $36,860 (-) Land $6,560 Building $30,300 | $105,310 (-) Land $18,730 Building $86,580 |
| 2024 | $2,537.00 (+7.36%) | ||
| 2023 | $2,363.00 (+10.58%) | $36,860 (+41.88%) Land $6,560 Building $30,300 | $105,310 (+41.89%) Land $18,730 Building $86,580 |
| 2022 | $2,137.00 | $25,980 Land $4,620 Building $21,360 | |
| 2020 | $74,220 Land $13,190 Building $61,030 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1989–2020) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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 305 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
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