Montgomery County property record for 421 Cedar St, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,133 sqft · built 1957 |
| Lot Size | 0.19 acres (8,281 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $97,000 (Nov 2006) |
| Tax Bill | $2,439 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00108-0039 |
| Primary APN | K48-00108-0039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| Gross Area | 1,491 sqft |
| 1st Floor Area | 1,107 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 8,281 sqft (0.19 acres) |
| Lot Dimensions | 120 ft deep x 69 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 322 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Stoop |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 133 sqft |
| Canopy | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 421 CEDAR ST |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1358 MITCHELL 1 |
| Legal Subdivision | MITCHELL 1 |
| Legal Lot Number | 39 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 50301 |
Source: Montgomery County records, as of August 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 421 CEDAR ST, DAYTON, OH 45449-1343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2006 · Amount on Record |
| Deed Sale | Nov 16, 2006 · Amount on Record |
| Deed Document Number | 2006106667 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 13, 2026 |
| Property Address | 421 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Number | 0000041159 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202641159 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 421 CEDAR ST, DAYTON, OH 45449-1343 |
| Document Number | 0000041159, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202641159 |
| Name | RIVER VALLEY CREDIT UNION INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Montgomery County assessment roll, as of December 30, 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 | $2,439.00 | $45,800 (-) Land $8,750 Building $37,050 | $130,840 (-) Land $24,990 Building $105,850 |
| 2024 | $2,439.00 (+4.28%) | ||
| 2023 | $2,339.00 (+18.07%) | $45,800 (+39.68%) Land $8,750 Building $37,050 | $130,840 (+39.67%) Land $24,990 Building $105,850 |
| 2022 | $1,981.00 | $32,790 Land $6,250 Building $26,540 | |
| 2020 | $93,680 Land $17,850 Building $75,830 |
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 |
| 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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