440 Cedarleaf Dr, Dayton, OH 45459 Property Records

Montgomery County property record for 440 Cedarleaf Dr, Dayton, OH 45459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,972 sqft · built 1969
Lot Size	0.381 acres (16,605 sqft)
Owner	2 Trust Names on File
Last Sale	$350,000 (Jan 2021)
Tax Bill	$7,327 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O68 00904 0002`

Property Details

APN / Parcel Number

Primary APN	`O68 00904 0002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,972 sqft Living Area
1st Floor Area	1,868 sqft
Basement Area	832 sqft
Finished Basement	832 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	16,605 sqft (0.381 acres)
Lot Dimensions	135 ft deep x 123 ft wide
Garage Type	Detached
Garage Area	1,336 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	525 sqft
Deck Area	180 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 CEDARLEAF DR
City	DAYTON
State	OH
Zip	45459-4312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	313 PLEASANT HILL 15
Legal Subdivision	PLEASANT HILL 15
Legal Lot Number	2
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1012
Census Tract	40302

Owner

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	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	440 CEDARLEAF DR, DAYTON, OH 45459-4312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 26, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 26, 2021 · Amount on File
Deed Sale	Jan 26, 2021 · Amount on File
Prior Sale	Nov 20, 2014 · Amount on File
Deed Document Number	2021-00006125
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	440 CEDARLEAF DR, DAYTON, OH 45459-4312
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083108
Date	Nov 1, 2021
Instrument	2021-00083108

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 26, 2021
Property Address	440 CEDARLEAF DR, DAYTON, OH 45459-4312
Document Number	0000006125
Map Reference	MB 83 PG 11
Instrument Date	Nov 30, 2020
Instrument	2021-00006125
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	440 CEDARLEAF DR, CENTERVILLE, OH 45459-4312

Mortgage

Document Number	0000006152
Date	Jan 26, 2021
Instrument	2021-00006152

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	440 CEDARLEAF DR, DAYTON, OH 45459-4312
Document Number	0000070272
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Jan 9, 2020
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 CEDARLEAF DR CENTERVILLE OH 454594312, CENTERVILLE, OH 45459-4312

Mortgage

Document Number	0000070272
Date	Dec 16, 2019
Instrument	70272

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Dec 15, 2039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Municipality	Centerville City
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$115,520 (-) Land $20,170 Building $95,350
2024	$7,327.00 (+9.16%)
2023	$6,712.00 (+9.14%)	$115,520 (+37.62%) Land $20,170 Building $95,350	$330,050 (+37.62%) Land $57,630 Building $272,420
2022	$6,150.00	$83,940 Land $14,620 Building $69,320
2020			$239,830 Land $41,760 Building $198,070

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

Source: FEMA National Flood Hazard Layer, effective June 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

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)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: altafiber Network Solutions.

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