38 Centre St, Dayton, OH 45403 Property Records

Montgomery County property record for 38 Centre St, Dayton, OH 45403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1919
Lot Size	0.067 acres (2,905 sqft)
Owner	Individual Name on File
Last Sale	$191,000 (Sep 2026)
Tax Bill	$1,346 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R72-01210-0069`

Property Details

APN / Parcel Number

Primary APN	`R72-01210-0069`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,200 sqft Living Area
Gross Area	1,248 sqft
1st Floor Area	484 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 2000
Architectural Style	Old Style
Exterior Material	Brick
Lot Area	2,905 sqft (0.067 acres)
Lot Dimensions	132 ft deep x 22 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 CENTRE ST
City	DAYTON
State	OH
Zip	45403-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5491 PT
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	69
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	5
Census Block	5017
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Huffman Historic District listed 1982 · 663 contributing resources · NRIS 82003618

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

38 Centre St is owned and occupied by an individual who bought it in September 2026.

Source: Montgomery County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	38 CENTRE ST, DAYTON, OH 45403-1904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 11, 2026	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT MORTGAGE
Sep 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage WRIGHT-PATT CREDIT UNION INC
Aug 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 7, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Sep 15, 2021 · Amount on File
Deed Document Number	202654803
Prior Transfer Date	Aug 26, 2018
Prior Transfer Doc	0000050461
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 11, 2026
Property Address	38 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000054803
Instrument Date	Aug 14, 2026
Instrument	202654803
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,873.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CENTRE ST, DAYTON, OH 45403-1904

Mortgage

Document Number	0000054804,
Date	Sep 11, 2026
Instrument	202654804

Lender

Name	PARAMOUNT MORTGAGE

Agreement

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

Interest

Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 15, 2021
Property Address	38 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000070166
Instrument Date	Aug 19, 2021
Instrument	2021-00070166
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	HALLMARK TITLE

Transaction

Amount	Amount on Record
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
Address	38 CENTRE ST, DAYTON, OH 45403-1904

Mortgage

Document Number	0000070167
Date	Sep 15, 2021
Instrument	2021-00070167

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 28, 2018
Property Address	38 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000050461
Instrument Date	Aug 26, 2018
Instrument	50461
Transaction Type	Transfer
Record Updated	Sep 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CENTRE ST DAYTON OH 454031904, DAYTON, OH 45403-1904

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	38 CENTRE ST, DAYTON, OH 45403-1904
Document Number	0000053481
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CENTRE ST DAYTON OH 454031904, DAYTON, OH 45403-1904

Mortgage

Document Number	0000053481
Date	Sep 11, 2017
Instrument	53481

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 38 Centre St was $1,346, down 0.2% 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	$1,346.00 (-0.22%)	$23,270 Land $2,890 Building $20,380	$66,490 Land $8,270 Building $58,220
2024	$1,349.00 (+2.66%)
2023	$1,314.00 (-20.7%)	$23,270 (+2.15%) Land $2,890 Building $20,380	$66,490 Land $8,270 Building $58,220
2022	$1,657.00	$22,780 Land $2,840 Building $19,940
2020			$65,090 Land $8,110 Building $56,980

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 38 Centre 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 38 Centre 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 753 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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