3509 E 2nd St, Dayton, OH 45403 Property Records

Montgomery County property record for 3509 E 2nd St, Dayton, OH 45403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 930 sqft · built 1923
Lot Size	0.096 acres (4,199 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Jun 2026)
Tax Bill	$737 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2026 Sale & Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R72-04803-0031`

Property Details

APN / Parcel Number

Primary APN	`R72-04803-0031`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	930 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Lot Area	4,199 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide
View / Lot	Neighborhood / Spot

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	169 sqft
Patio Area	169 sqft
Canopy	169 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3509 E 2ND ST
City	DAYTON
State	OH
Zip	45403-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30910
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	31
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	3
Census Block	3004
Census Tract	2000

Owner

3509 E 2nd St is owned and occupied by an individual who bought it in June 2026.

Source: Montgomery County records, as of June 15, 2026

Owner of Record	Individual Name on File
Mailing Address	3509 E 2ND ST, DAYTON, OH 45403-1719
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

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 8, 2026	Warranty Deed, Transfer · Stand-Alone Second Mortgage TOYA NITA ESTES TRUST
Jan 8, 2026	Affidavit of Death of Joint Tenant, Transfer
Jun 30, 2025	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	Jan 8, 2026 · Amount on File
Deed Document Number	202632025
Prior Transfer Date	Mar 12, 1998
Prior Transfer Doc	9802000008
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 1, 2026
Property Address	3509 E 2ND ST, DAYTON, OH 45403-1719
Document Number	0000032025
Instrument Date	May 15, 2026
Instrument	202632025
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 E 2ND ST, DAYTON, OH 45403-1719

Mortgage

Document Number	0000032026,
Date	Jun 1, 2026
Instrument	202632026

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 8, 2026
Property Address	3509 E 2ND ST, DAYTON, OH 45403-1719
Document Number	0000001534
Map Reference	DOC 2026-1533
Instrument Date	Dec 12, 2025
Instrument	2026-00001534
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount 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
Address	3802 FERNWOOD CT, DAYTON, OH 45440-4091

Mortgage

Document Number	0000001535
Date	Jan 8, 2026
Instrument	2026-00001535

Lender

Name	TOYA NITA ESTES TRUST
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 5, 2036

January 2026: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 8, 2026
Property Address	3509 E 2ND ST, DAYTON, OH 45403-1719
Document Number	0000001533
Map Reference	DOC 2025-00034026
Instrument Date	Nov 20, 2025
Instrument	2026-00001533
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 E 2ND ST, DAYTON, OH 45403-1719

June 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 30, 2025
Property Address	3509 E 2ND ST, DAYTON, OH 45403-1719
Document Number	0000034026
Instrument Date	Jun 29, 2025
Instrument	2025-00034026
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3509 E 2ND ST, DAYTON, OH 45403-1719

Tax Assessment & Valuation

The 2025 property tax bill for 3509 E 2nd St was $737, down 2.8% from the year before.

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	$737.00 (-2.77%)	$22,710 Land $3,220 Building $19,490	$64,870 Land $9,190 Building $55,680
2024	$758.00 (-2.07%)
2023	$774.00 (+62.61%)	$22,710 (+50.6%) Land $3,220 Building $19,490	$64,870 Land $9,190 Building $55,680
2022	$476.00	$15,080 Land $2,130 Building $12,950
2020			$43,080 Land $6,080 Building $37,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3509 E 2nd 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

The area around 3509 E 2nd St 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.

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 558 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, AT&T.

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