416 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 416 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,256 sqft · built 1959
Lot Size	0.239 acres (10,428 sqft)
Owner	Owner Name on File
Last Sale	$100,500 (Aug 2001)
Tax Bill	$3,707 (2024)
Deeds & Mortgages	Aug 2020 Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`K48 00116 0015`

Property Details

APN / Parcel Number

Primary APN	`K48 00116 0015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,256 sqft Living Area
1st Floor Area	1,256 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	10,428 sqft (0.239 acres)
Lot Dimensions	149 ft deep x 70 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Patio Area	228 sqft
Canopy	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1490 MITCHELL'S SUBD SEC 2
Legal Subdivision	MITCHELLS
Legal Lot Number	15
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2027
Census Tract	50301

Owner

The current owner of 416 E Cottage Ave acquired it in April 2012.

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	Owner Name on File
Mailing Address	416 E COTTAGE AVE, DAYTON, OH 45449-1350
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2001 · Amount on File
Deed Sale	Aug 8, 2001 · Amount on File
Prior Sale	Aug 8, 2001 · Amount on File
Deed Document Number	0000544C02
Last Transfer Date	Apr 9, 2012
Transfer Doc	0000021609
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	416 E COTTAGE AVE, DAYTON, OH 45449-1350
Document Number	0000051386
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E COTTAGE AVE WEST CARROLLTON OH 454491350, WEST CARROLLTON, OH 45449-1350

Mortgage

Document Number	0000051386
Date	Aug 31, 2020
Instrument	51386

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 30, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$53,130 Land $10,060 Building $43,070
2024	$3,707.00 (+8.17%)
2023	$3,427.00 (+8.9%)	$53,130 (+39.63%) Land $10,060 Building $43,070	$151,820 Land $28,750 Building $123,070
2022	$3,147.00	$38,050 Land $7,190 Building $30,860
2020			$108,710 Land $20,540 Building $88,170

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.

Flood

FEMA maps place 416 E Cottage Ave in Zone X, where a levee reduces flood risk, though there have been 4 flood claims nearby since 1989.

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.

Wildfire

The area around 416 E Cottage Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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