Montgomery County property record for 440 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,133 sqft · built 1953 |
| Lot Size | 0.182 acres (7,937 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $86,100 (Aug 2019) |
| Tax Bill | $3,095 (2024) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage Apr 2019 Foreclosure |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00116 0011 |
| Primary APN | K48 00116 0011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| 1st Floor Area | 1,107 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 7,937 sqft (0.182 acres) |
| Lot Dimensions | 115 ft deep x 69 ft wide |
| Garage Area | 322 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Patio Area | 216 sqft |
| Canopy | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 440 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1486 MITCHELL 2 |
| Legal Subdivision | MITCHELL 2 |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 50301 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 440 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2019 | Grant Deed, Transfer · Conventional with PMI DAS ACQUISITION |
| Apr 16, 2019 | Deed in Lieu of Foreclosure, Foreclosure TITLE 365 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on Record |
| Deed Sale | Aug 27, 2019 · Amount on Record |
| Prior Sale | Apr 16, 2019 |
| Deed Document Number | 2019-00046020 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Aug 27, 2019 |
| Property Address | 440 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Document Number | 0000046020 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 46020 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | TITLE 365 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $258.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 E COTTAGE AVE DAYTON OH 454491350, DAYTON, OH 45449-1350 |
| Document Number | 46021 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 46021 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Apr 16, 2019 |
| Property Address | 440 E COTTAGE AVE, DAYTON, OH 45449-1350 |
| Document Number | 0000018805 |
| Instrument Date | Mar 12, 2019 |
| Instrument | 18805 |
| Transaction Type | Foreclosure |
| Record Updated | May 2, 2019 |
| Title Company | TITLE 365 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620 |
Source: Montgomery County assessment roll, as of January 1, 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 | $46,860 (-) Land $8,540 Building $38,320 | ||
| 2024 | $3,095.00 (+4.31%) | ||
| 2023 | $2,967.00 (+9.4%) | $46,860 (+39.67%) Land $8,540 Building $38,320 | $133,870 (+39.67%) Land $24,390 Building $109,480 |
| 2022 | $2,712.00 | $33,550 Land $6,100 Building $27,450 | |
| 2020 | $95,850 Land $17,420 Building $78,430 |
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 |
| 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.
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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