Montgomery County property record for 4148 Ridgeway Rd, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 4,871 sqft · built 1952 |
| Lot Size | 1.48 acres (64,469 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $580,000 (Nov 2015) |
| Tax Bill | $17,175 (2024) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 03409 0086 |
| Primary APN | N64 03409 0086 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 4,871 sqft Living Area |
| 1st Floor Area | 1,370 sqft |
| Attic Area | 638 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Lot Area | 64,469 sqft (1.48 acres) |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 883 sqft |
| Deck Area | 574 sqft |
| Patio Area | 574 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4148 RIDGEWAY RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-2-34 |
| Legal Subdivision | MRS |
| Legal Lot Number | 86 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20400 |
4148 Ridgeway Rd is owner-occupied and held in a trust since October 2024.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4148 RIDGEWAY RD, KETTERING, OH 45429-1640 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
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 |
|---|---|
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Oct 3, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2015 · Amount on File |
| Deed Sale | Nov 19, 2015 · Amount on File |
| Prior Sale | Nov 19, 2015 · Amount on File |
| Deed Document Number | 0000064377 |
| Last Transfer Date | Oct 3, 2024 |
| Transfer Doc | 0000052699 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 4148 RIDGEWAY RD, DAYTON, OH 45429-1640 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | OLD TOWN TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000055242 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021-00055242 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Oct 3, 2024 |
| Property Address | 4148 RIDGEWAY RD, DAYTON, OH 45429-1640 |
| Document Number | 0000052699 |
| Map Reference | MB 1144 PG 263 |
| Instrument Date | Sep 10, 2024 |
| Instrument | 2024-00052699 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4148 RIDGEWAY RD, KETTERING, OH 45429-1640 |
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 | $270,440 Land $34,370 Building $236,070 | ||
| 2024 | $17,175.00 (+2.75%) | ||
| 2023 | $16,716.00 (+4.34%) | $270,440 (+31.92%) Land $34,370 Building $236,070 | $772,700 Land $98,210 Building $674,490 |
| 2022 | $16,020.00 | $205,000 Land $26,040 Building $178,960 | |
| 2020 | $585,710 Land $74,400 Building $511,310 |
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 4148 Ridgeway Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 4148 Ridgeway Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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