Montgomery County property record for 403 Cedar St, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,133 sqft · built 1957 |
| Lot Size | 0.295 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Jun 2026) |
| Tax Bill | $3,217 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jan 2021 Sale + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00108-0036 |
| Primary APN | K48-00108-0036 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| Gross Area | 1,721 sqft |
| 1st Floor Area | 1,107 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 13,068 sqft (0.295 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Stoop |
|---|---|
| Porch Area | 88 sqft |
| Patio Area | 294 sqft |
| Canopy | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 CEDAR ST |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1355 MITCHELL 1 |
| Legal Subdivision | MITCHELL 1 |
| Legal Lot Number | 36 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 50301 |
403 Cedar St is owned and occupied by an individual who bought it in June 2026.
Source: Montgomery County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 CEDAR ST, DAYTON, OH 45449-1343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jun 11, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 29, 2021 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 23, 2020 | Loan Modification, Mortgage · Conventional with PMI WRIGHT-PATT CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Prior Sale | Jan 29, 2021 · Amount on File |
| Deed Document Number | 202634870 |
| Prior Transfer Date | Jun 1, 2024 |
| Prior Transfer Doc | 0000031138 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jun 11, 2026 |
| Property Address | 403 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Number | 0000034870 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 202634870 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $56,055.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 403 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 29, 2021 |
| Property Address | 403 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Number | 0000007466 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 7466 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $390.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 CEDAR ST WEST CARROLLTON OH 454491343, WEST CARROLLTON, OH 45449-1343 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 403 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Number | 0000007467 |
| Instrument Date | Dec 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 CEDAR ST WEST CARROLLTON OH 454491343, WEST CARROLLTON, OH 45449-1343 |
| Document Number | 0000007467 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 7467 |
| Name | WRIGHT-PATT CU |
|---|---|
| Type | Credit Union |
| Address | BEAVERCREEK, OH 45431 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2051 |
The 2025 property tax bill for 403 Cedar St was $3,217.
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,217.00 | $46,880 Land $7,350 Building $39,530 | $133,950 Land $21,000 Building $112,950 |
| 2024 | $3,217.00 (+5.2%) | ||
| 2023 | $3,058.00 (+8.59%) | $46,880 (+39.65%) Land $7,350 Building $39,530 | $133,950 Land $21,000 Building $112,950 |
| 2022 | $2,816.00 | $33,570 Land $5,250 Building $28,320 | |
| 2020 | $95,920 Land $15,000 Building $80,920 |
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 403 Cedar St in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 4 (1979–2005) |
| Most Recent Claim | Jan 2005 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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 403 Cedar 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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