Montgomery County property record for 4405 Reading Rd, Dayton, OH 45420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,188 sqft · built 1955 |
| Lot Size | 0.192 acres (8,377 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Aug 2007) |
| Tax Bill | $2,659 (2024) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R72 14713 0011 |
| Primary APN | R72 14713 0011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 8,377 sqft (0.192 acres) |
| Lot Dimensions | 125 ft deep x 67 ft wide |
| Garage Type | Mixed |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 162 sqft |
| Deck Area | 351 sqft |
| Patio Area | 351 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4405 READING RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45420-3130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 69171 |
| Legal Subdivision | CITY/DAYTON |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | DAYTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 2900 |
4405 Reading Rd is owned and occupied by an individual who bought it in August 2007.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4405 READING RD, DAYTON, OH 45420-3130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2007 · Amount on File |
| Deed Sale | Aug 1, 2007 · Amount on File |
| Deed Document Number | 07-065138 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 4405 READING RD, DAYTON, OH 45420-3130 |
| Document Number | 0000001440 |
| Instrument Date | Dec 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4405 READING RD DAYTON OH 454203130, DAYTON, OH 45420-3130 |
| Document Number | 0000001440 |
|---|---|
| Date | Jan 9, 2018 |
| Instrument | 1440 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 8, 2033 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Dayton City |
| Unified School District | Dayton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $46,300 Land $10,650 Building $35,650 | ||
| 2024 | $2,659.00 (+2.58%) | ||
| 2023 | $2,592.00 (+12.01%) | $46,300 (+44.96%) Land $10,650 Building $35,650 | $132,300 Land $30,430 Building $101,870 |
| 2022 | $2,314.00 | $31,940 Land $7,350 Building $24,590 | |
| 2020 | $91,240 Land $20,990 Building $70,250 |
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.
FEMA maps place 4405 Reading Rd in Zone X, an area of minimal flood risk.
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.
The area around 4405 Reading Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DAYTON PUBLIC WATER SYSTEM serves 141,407 people · EPA ID OH5703512 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 470 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 560 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
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