Montgomery County property record for 403 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,120 sqft · built 1957 |
| Lot Size | 0.201 acres (8,799 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Jan 2025) |
| Tax Bill | $3,481 (2024) |
| Deeds & Mortgages | Jul 2021 Transfer Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00108 0052 |
| Primary APN | K48 00108 0052 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 8,799 sqft (0.201 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 60 sqft |
| Canopy | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1371 MITCHELL 1 |
| Legal Subdivision | MITCHELL 1 |
| Legal Lot Number | 52 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 50301 |
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 | 403 E COTTAGE AVE, DAYTON, OH 45449-1323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2021 | Intrafamily Transfer, Transfer AMERICAN HOMELAND TITLE |
| Jul 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 14, 2020 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2025 · Amount on Record |
| Deed Sale | Jan 16, 2025 · Amount on Record |
| Prior Sale | Jul 9, 2021 |
| Deed Document Number | 2025-00002952 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 9, 2021 |
| Property Address | 403 E COTTAGE AVE, DAYTON, OH 45449-1323 |
| Document Number | 0000051708 |
| Map Reference | MB TT PG 23 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 2021-00051708 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 403 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1323 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 9, 2021 |
| Property Address | 403 E COTTAGE AVE, DAYTON, OH 45449-1323 |
| Document Number | 0000051706 |
| Map Reference | MB TT PG 23 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 2021-00051706 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E COTTAGE AVE, WEST CARROLLTON, OH 45449-1323 |
| Document Number | 0000051707 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021-00051707 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Oct 14, 2020 |
| Property Address | 403 E COTTAGE AVE, DAYTON, OH 45449-1323 |
| Document Number | 0000061717 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 61717 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E COTTAGE AVE WEST CARROLLTON OH 454491323, WEST CARROLLTON, OH 45449-1323 |
Source: Montgomery County assessment roll, as of January 1, 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 | $47,590 (-) Land $9,070 Building $38,520 | ||
| 2024 | $3,481.00 (+6.55%) | ||
| 2023 | $3,267.00 (+7.82%) | $47,590 (+39.64%) Land $9,070 Building $38,520 | $135,970 (+39.67%) Land $25,900 Building $110,070 |
| 2022 | $3,030.00 | $34,080 Land $6,480 Building $27,600 | |
| 2020 | $97,350 Land $18,500 Building $78,850 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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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