3410 Turtle Shell Dr, Dayton, OH 45414 Property Records

Montgomery County property record for 3410 Turtle Shell Dr, Dayton, OH 45414

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,077 sqft · built 1990
Lot Size	0.939 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2022)
Tax Bill	$5,448 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A01 27623 0018`

Property Details

APN / Parcel Number

Primary APN	`A01 27623 0018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,077 sqft Living Area
1st Floor Area	435 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	40,946 sqft
Lot Dimensions	168 ft deep x 244 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	290 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3410 TURTLE SHELL DR
City	DAYTON
State	OH
Zip	45414-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	232 TURTLE CREEK SEC 9
Legal Subdivision	TURTLE CREEK SEC 9
Legal Lot Number	18
Jurisdiction	MONTGOMERY OH
Township / Civil Division	BUTLER
Census Block Group	1
Census Block	1006
Census Tract	110201

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
Co-owner	Co-owner on Record
Mailing Address	3410 TURTLE SHELL DR, DAYTON, OH 45414-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU
Mar 28, 2017	Warranty Deed, Transfer · Conventional with PMI ABBEY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	2022-00060991
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 29, 2022
Property Address	3410 TURTLE SHELL DR, DAYTON, OH 45414-1744
Document Number	0000060991
Map Reference	MB 132 PG 51&51A
Instrument Date	Aug 25, 2022
Instrument	2022-00060991
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	3410 TURTLE SHELL DR, DAYTON, OH 45414-1744

Mortgage

Document Number	0000060992
Date	Sep 29, 2022
Instrument	2022-00060992

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	3410 TURTLE SHELL DR, DAYTON, OH 45414-1744
Document Number	0000077793
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 TURTLE SHELL DR DAYTON OH 454141744, DAYTON, OH 45414-1744

Mortgage

Document Number	0000077793
Date	Dec 23, 2020
Instrument	77793

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 28, 2017
Property Address	3410 TURTLE SHELL DR, DAYTON, OH 45414-1744
Document Number	0000018577
Instrument Date	Mar 24, 2017
Instrument	18577
Transaction Type	Transfer
Record Updated	Apr 13, 2017
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$541.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 TURTLE SHELL DR DAYTON OH 454141744, DAYTON, OH 45414-1744

Mortgage

Document Number	18578
Date	Mar 28, 2017
Instrument	18578

Lender

Name	ABBEY CU
Type	Credit Union
Address	VANDALIA, OH 45377

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Butler Township
Unified School District	Vandalia-Butler City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$86,280 (-) Land $18,620 Building $67,660
2024	$5,448.00 (+2.6%)
2023	$5,310.00 (+5.76%)	$86,280 (+32.72%) Land $18,620 Building $67,660	$246,500 (+32.71%) Land $53,200 Building $193,300
2022	$5,021.00	$65,010 Land $14,000 Building $51,010
2020			$185,740 Land $40,000 Building $145,740

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 Policies	7 in force
Nearby Flood Claims	2 (2004–2005)
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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 2 PWS serves 83,033 people · EPA ID OH5701503
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 Jan 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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