Montgomery County property record for 404 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,562 sqft · built 1957 |
| Lot Size | 0.201 acres (8,799 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $116,000 (Oct 2002) |
| Tax Bill | $3,628 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00108 0053 |
| Primary APN | K48 00108 0053 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,562 sqft Living Area |
| 1st Floor Area | 1,242 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 2 Fireplaces |
| 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 | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 42 sqft |
| Patio Area | 300 sqft |
| Canopy | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1372 MITCHELL 1 |
| Legal Subdivision | MITCHELL 1 |
| Legal Lot Number | 53 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| 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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 404 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Dec 2, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Mar 18, 2020 | Deed of Trust, Mortgage · VA Mortgage UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2002 · Amount on Record |
| Deed Sale | Oct 31, 2002 · Amount on Record |
| Deed Document Number | 200200135067 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 404 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Document Number | 0000075291 |
| Instrument Date | Dec 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 404 E COTTAGE AVE WEST CARROLLTON OH 454491350, WEST CARROLLTON, OH 45449-1350 |
| Document Number | 0000075291 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 75291 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 10, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 404 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Document Number | 0000018912 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 404 E COTTAGE AVE WEST CARROLLTON OH 454491350, WEST CARROLLTON, OH 45449-1350 |
| Document Number | 0000018912 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 18912 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 25, 2035 |
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 | $60,250 (-) Land $9,070 Building $51,180 | ||
| 2024 | $3,628.00 (+5.43%) | ||
| 2023 | $3,441.00 (+14.17%) | $60,250 (+39.63%) Land $9,070 Building $51,180 | $172,120 (+39.64%) Land $25,900 Building $146,220 |
| 2022 | $3,014.00 | $43,150 Land $6,480 Building $36,670 | |
| 2020 | $123,260 Land $18,500 Building $104,760 |
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.
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.
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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