4 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 4 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,324 sqft · built 1898
Lot Size	0.097 acres (4,230 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (Dec 2023)
Tax Bill	$2,200 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`K48 00102 0025`

Property Details

APN / Parcel Number

Primary APN	`K48 00102 0025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,324 sqft Total Area
1st Floor Area	480 sqft
Basement Area	144 sqft
Unfinished Basement	144 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Architectural Style	Log Home
Exterior Material	Brick
Lot Area	4,230 sqft (0.097 acres)
Lot Dimensions	94 ft deep x 45 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	75 sqft
Deck Area	30 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1455
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	279 PT
Legal Subdivision	CITY/WEST CARROLLTON REV
Legal Lot Number	25
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2031
Census Tract	50301

Owner

Source: Montgomery County records, as of January 26, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4 E COTTAGE AVE, DAYTON, OH 45449-1455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Executor's Deed, Transfer · Conventional Mortgage USAA FSB
Sep 1, 2022	Warranty Deed, Transfer
Feb 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2023 · Amount on Record
Deed Sale	Dec 22, 2023 · Amount on Record
Prior Sale	Sep 1, 2022 · Amount on Record
Deed Document Number	202300064803
Record Updated	Jun 8, 2026

December 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 22, 2023
Property Address	4 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000064803
Instrument Date	Dec 15, 2023
Instrument	202300064803
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	PARTNERS LAND TITLE AGENCY LLC, PARTNERS LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1455

Mortgage

Document Number	0000064804
Date	Dec 22, 2023
Instrument	202300064804

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 1, 2022
Property Address	4 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000055338
Instrument Date	Aug 18, 2022
Instrument	2022-00055338
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount Recorded
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	4 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1455

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 11, 2022
Property Address	4 E COTTAGE AVE, DAYTON, OH 45449-1455
Document Number	0000009233
Instrument Date	Jan 19, 2022
Instrument	2022-00009233
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount Recorded
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	15740 LITTLE RICHMOND RD, NEW LEBANON, OH 45345-9714

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$31,150 (-) Land $5,270 Building $25,880
2024	$2,200.00 (+47.85%)
2023	$1,488.00 (-18.33%) Homeowner's exemption	$31,150 (+41.85%) Land $5,270 Building $25,880	$89,000 (+41.86%) Land $15,050 Building $73,950
2022	$1,822.00	$21,960 Land $3,710 Building $18,250
2020			$62,740 Land $10,600 Building $52,140

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

Flood

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1989–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2020 · other causes

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.

Wildfire

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	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 383 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Frontier.

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