Montgomery County property record for 409 Cushing Ave, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,140 sqft · built 1940 |
| Lot Size | 0.115 acres (5,040 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $98,900 (Jul 1998) |
| Tax Bill | $4,082 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 00203 0035 |
| Primary APN | N64 00203 0035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 750 sqft |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,040 sqft (0.115 acres) |
| Lot Dimensions | 120 ft deep x 42 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 CUSHING AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-2609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35 E OAKWOOD R&C |
| Legal Subdivision | OAKWOOD |
| Legal Lot Number | 35 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20800 |
Source: Montgomery County records, as of January 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 409 CUSHING AVE, DAYTON, OH 45429-2609 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Sep 18, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 1998 · Amount on Record |
| Deed Sale | Jul 23, 1998 · Amount on Record |
| Prior Sale | Jul 23, 1998 · Amount on Record |
| Deed Document Number | 0015991 |
| Deed Book / Page | 0000980490 / 0000000B11 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 409 CUSHING AVE, DAYTON, OH 45429-2609 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000039615 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 2022-00039615 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | May 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 409 CUSHING AVE, DAYTON, OH 45429-2609 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 409 CUSHING AVE, DAYTON, OH 45429-2609 |
| Document Number | 0000051261 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 2025-00051261 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2055 |
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 | $63,720 (-) Land $12,820 Building $50,900 | ||
| 2024 | $4,082.00 (+2.72%) | ||
| 2023 | $3,974.00 (+14.59%) | $63,720 (+45.15%) Land $12,820 Building $50,900 | $182,050 (+45.13%) Land $36,630 Building $145,420 |
| 2022 | $3,468.00 | $43,900 Land $8,840 Building $35,060 | |
| 2020 | $125,440 Land $25,260 Building $100,180 |
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 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.
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 591 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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