Montgomery County property record for 3525 Echo Spring Trl, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,094 sqft · built 1957 |
| Lot Size | 1.01 acres (44,431 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $450,000 (Aug 2022) |
| Tax Bill | $9,030 (2024) |
| Deeds & Mortgages | Aug 2022 Sale Aug 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-01205-0011 |
| Primary APN | N64-01205-0011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,094 sqft Living Area |
| Gross Area | 3,044 sqft |
| 1st Floor Area | 2,094 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 44,431 sqft (1.01 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 950 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 492 sqft |
| Deck Area | 448 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3525 ECHO SPRING TRL |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 27 BIG HILL 2 |
| Legal Subdivision | BIG HILL 2 |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 20200 |
Source: Montgomery County records, as of December 30, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Aug 19, 2022 | Survivorship Deed, Transfer |
| Aug 28, 2020 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L BK&TR |
| May 11, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2022 · Amount on Record |
| Deed Sale | Aug 19, 2022 · Amount on Record |
| Prior Sale | Sep 17, 2003 · Amount on Record |
| Deed Document Number | 202252810 |
| Last Transfer Date | Nov 6, 2024 |
| Transfer Doc | 0000062140 |
| Record Updated | Sep 20, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 19, 2022 |
| Property Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Document Number | 0000052810 |
| Map Reference | MB EE PG 63 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022-00052810 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 28, 2020 |
| Property Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Document Number | 0000050958 |
| Instrument Date | Jul 27, 2020 |
| Instrument | 50958 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3525 ECHO SPRING TRL KETTERING OH 454291218, KETTERING, OH 45429-1218 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Document Number | 0000020019 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NATIONAL TITLE INSURANCE COMPANY, NATIONAL TITLE COMPANY, INC. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3525 ECHO SPRING TRL KETTERING OH 454291218, KETTERING, OH 45429-1218 |
| Document Number | 0000020019 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 20019 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Mar 31, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 3525 ECHO SPRING TRL, DAYTON, OH 45429-1218 |
| Document Number | 0000030509 |
| Instrument Date | May 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2018 |
| Title Company | SOLIDIFI TITLE AND CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3525 ECHO SPRING TRL DAYTON OH 454291218, DAYTON, OH 45429-1218 |
| Document Number | 0000030509 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 30509 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 24, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $141,830 (+2.06%) Land $22,990 Building $118,840 | $405,220 (-) Land $65,680 Building $339,540 | |
| 2024 | $9,030.00 (+5.04%) | ||
| 2023 | $8,597.00 (+20.39%) | $138,970 (+38.96%) Land $22,990 Building $115,980 | $405,220 (+41.81%) Land $65,680 Building $339,540 |
| 2022 | $7,141.00 | $100,010 Land $16,540 Building $83,470 | |
| 2020 | $285,740 Land $47,250 Building $238,490 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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