Montgomery County property record for 344 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,404 sqft · built 1932 |
| Lot Size | 0.162 acres (7,048 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,824 (2024) |
| Deeds & Mortgages | May 2023 Transfer |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00103-0026 |
| Primary APN | K48-00103-0026 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,048 sqft (0.162 acres) |
| Lot Dimensions | 150 ft deep x 47 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 144 sqft |
| Patio Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 344 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 540 |
| Legal Subdivision | CITY/WEST CARROLLTON |
| Legal Lot Number | 26 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 50301 |
344 E Cottage Ave is owner-occupied and held in a trust since August 2024.
Source: Montgomery County records, as of December 30, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 344 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 6, 2024 |
| Transfer Doc | 0000044736 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | May 8, 2023 |
| Property Address | 344 E COTTAGE AVE, DAYTON, OH 45449-1348 |
| Document Number | 0000022928 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 202300022928 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 344 E COTTAGE AVE, DAYTON, OH 45449-1348 |
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 | $40,460 Land $6,710 Building $33,750 | $115,600 Land $19,170 Building $96,430 | |
| 2024 | $2,824.00 (+7.05%) | ||
| 2023 | $2,638.00 (+10.7%) | $40,460 (+41.87%) Land $6,710 Building $33,750 | $115,600 Land $19,170 Building $96,430 |
| 2022 | $2,383.00 | $28,520 Land $4,730 Building $23,790 | |
| 2020 | $81,480 Land $13,500 Building $67,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 344 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1989.
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.
The area around 344 E Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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