348 Middle St, Dayton, OH 45402 Property Records

Montgomery County property record for 348 Middle St, Dayton, OH 45402

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,125 sqft · built 1990
Lot Size	0.14 acres (6,081 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Oct 2026)
Tax Bill	$1,041 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R72-07502-0005`

Property Details

APN / Parcel Number

Primary APN	`R72-07502-0005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
Gross Area	1,653 sqft
1st Floor Area	1,125 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Frame
Construction Type	Frame
Lot Area	6,081 sqft (0.14 acres)
Lot Dimensions	152 ft deep x 40 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	348 MIDDLE ST
City	DAYTON
State	OH
Zip	45402-6413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11710
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	5
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	2
Census Block	2021
Census Tract	1000

Owner

348 Middle St is owned and occupied by an individual who bought it in October 2026.

Source: Montgomery County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	348 MIDDLE ST, DAYTON, OH 45402-6413
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Deed Document Number	202659836
Prior Transfer Date	Aug 17, 2006
Prior Transfer Doc	0000083148
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 7, 2026
Property Address	348 MIDDLE ST, DAYTON, OH 45402-6413
Document Number	0000059836
Instrument Date	Sep 16, 2026
Instrument	202659836
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 MIDDLE ST, DAYTON, OH 45402-6413

Mortgage

Document Number	0000059837,
Date	Oct 7, 2026
Instrument	202659837

Lender

Name	WRIGHT-PATT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

Tax Assessment & Valuation

The 2025 property tax bill for 348 Middle St was $1,041.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,041.00	$17,900 Land $2,230 Building $15,670	$51,130 Land $6,360 Building $44,770
2024	$1,041.00 (+2.46%)
2023	$1,016.00 (-29.69%)	$17,900 (-9.69%) Land $2,230 Building $15,670	$51,130 Land $6,360 Building $44,770
2022	$1,445.00	$19,820 Land $2,470 Building $17,350
2020			$56,640 Land $7,070 Building $49,570

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

FEMA maps place 348 Middle St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 348 Middle St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	DAYTON PUBLIC WATER SYSTEM serves 141,407 people · EPA ID OH5703512
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	470 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 509 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
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: altafiber Network Solutions, T-Mobile.

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