Montgomery County property record for 3849 Ridgeway Rd, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 5,220 sqft · built 1952 |
| Lot Size | 0.998 acres (43,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $765,000 (Oct 2016) |
| Tax Bill | $21,228 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 03304 0105 |
| Primary APN | N64 03304 0105 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 5,220 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 711 sqft |
| Finished Basement | 576 sqft |
| Unfinished Basement | 135 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 43,503 sqft (0.998 acres) |
| Garage Area | 735 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 972 sqft |
| Deck Area | 650 sqft |
| Patio Area | 650 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3849 RIDGEWAY RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-1637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-1-5 |
| Legal Subdivision | MRS |
| Legal Lot Number | 105 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 20300 |
3849 Ridgeway Rd is owned and occupied by two individuals who acquired it in November 2016.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3849 RIDGEWAY RD, DAYTON, OH 45429-1637 |
| 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.
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK |
| Nov 6, 2025 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2016 · Amount on File |
| Deed Sale | Oct 31, 2016 · Amount on File |
| Deed Document Number | 201600061397 |
| Last Transfer Date | Nov 1, 2016 |
| Transfer Doc | 0000061397 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 3849 RIDGEWAY RD, DAYTON, OH 45429-1637 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000089847 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021-00089847 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Nov 6, 2025 |
| Property Address | 3849 RIDGEWAY RD, DAYTON, OH 45429-1637 |
| Document Number | 0000063076 |
| Instrument Date | Nov 4, 2025 |
| Instrument | 2025-00063076 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Montgomery County assessment roll, as of January 1, 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 | $334,560 (-) Land $35,230 Building $299,330 | ||
| 2024 | $21,228.00 (+2.74%) | $334,560 (-) Land $35,230 Building $299,330 | |
| 2023 | $20,661.00 (+1.24%) | $334,560 (+28%) Land $35,230 Building $299,330 | $955,890 Land $100,670 Building $855,220 |
| 2022 | $20,408.00 | $261,380 Land $27,530 Building $233,850 | |
| 2020 | $746,790 Land $78,650 Building $668,140 |
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.
FEMA maps place 3849 Ridgeway Rd in Zone X, an area of minimal flood risk.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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 3849 Ridgeway Rd 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 | MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315 |
|---|---|
| Water Source | Purchased surface water from DAYTON PUBLIC WATER SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2017 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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 |
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