428 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 428 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,133 sqft · built 1959
Lot Size	0.19 acres (8,281 sqft)
Owner	Company Name on File
Last Sale	$150,300 (Aug 2026)
Tax Bill	$3,543 (2025)
Deeds & Mortgages	Aug 2026 Sale
Flood Zone	Zone X (reduced by levee)
APN	`K48-00116-0013`

Property Details

APN / Parcel Number

Primary APN	`K48-00116-0013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,133 sqft Living Area
Gross Area	1,455 sqft
1st Floor Area	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
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
Patio Area	224 sqft
Canopy	454 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	428 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1488 MITCHELL 2
Legal Subdivision	MITCHELL 2
Legal Lot Number	13
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2027
Census Tract	50301

Owner

428 E Cottage Ave is owned by a company that bought it in August 2026.

Source: Montgomery County records, as of September 4, 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	Company Name on File
Mailing Address	675 GRAND WOOD CT, SPRINGBORO, OH 45066-8479
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Deed Document Number	202651248
Prior Transfer Date	Sep 13, 2004
Prior Transfer Doc	0000110347
Record Updated	Oct 29, 2026

August 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 26, 2026
Property Address	428 E COTTAGE AVE, DAYTON, OH 45449-1350
Document Number	0000051248
Instrument Date	Aug 17, 2026
Instrument	202651248
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$45,540.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	675 GRAND WOOD CT, SPRINGBORO, OH 45066-8479
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 428 E Cottage Ave was $3,543.

Source: Montgomery County assessment roll, as of December 30, 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	$3,543.00	$47,040 Land $8,750 Building $38,290	$134,390 Land $24,990 Building $109,400
2023	$3,067.00 (+9.03%)	$47,040 (+39.67%) Land $8,750 Building $38,290	$134,390 Land $24,990 Building $109,400
2022	$2,813.00	$33,680 Land $6,250 Building $27,430
2020			$96,220 Land $17,850 Building $78,370

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 428 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 428 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