34 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 34 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1892
Lot Size	0.134 acres (5,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,000 (Sep 2026)
Tax Bill	$2,719 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`K48-00102-0032`

Property Details

APN / Parcel Number

Primary APN	`K48-00102-0032`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
1st Floor Area	448 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Architectural Style	Old Style
Exterior Material	Stucco
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	130 ft deep x 45 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	34 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	286
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	32
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2031
Census Tract	50301

Owner

Source: Montgomery County records, as of September 14, 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	2 Individual Names on Record
Mailing Address	34 E COTTAGE AVE, DAYTON, OH 45449-1455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORPORATION
Oct 2, 2020	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	202653593
Prior Transfer Date	Apr 6, 2006
Prior Transfer Doc	0000070904
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 4, 2026
Property Address	34 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000053593
Instrument Date	Aug 18, 2026
Instrument	202653593
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	LAND TITLE, PARTNERS LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52,116.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	34 E COTTAGE AVE, DAYTON, OH 45449-1455

Mortgage

Document Number	0000053594,
Date	Sep 4, 2026
Instrument	202653594

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000053595,
Date	Sep 4, 2026
Instrument	202653595

Lender

Name	OHIO HOUSING FINANCE AGENCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 2, 2020
Property Address	34 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000059379
Instrument Date	Sep 25, 2020
Instrument	59379
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	PCTITLE PROS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 E COTTAGE AVE DAYTON OH 454491455, DAYTON, OH 45449-1455

Mortgage

Document Number	59380
Date	Oct 2, 2020
Instrument	59380

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,719.00	$37,200 (-) Land $6,100 Building $31,100	$106,270 (-) Land $17,420 Building $88,850
2024	$2,719.00 (+5.96%)
2023	$2,566.00 (+9.28%)	$37,200 (+41.93%) Land $6,100 Building $31,100	$106,270 (+41.86%) Land $17,420 Building $88,850
2022	$2,348.00	$26,210 Land $4,290 Building $21,920
2020			$74,910 Land $12,270 Building $62,640

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 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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Frontier.

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