4435 Reading Rd, Dayton, OH 45420 Property Records

Montgomery County property record for 4435 Reading Rd, Dayton, OH 45420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1955
Lot Size	0.177 acres (7,749 sqft)
Owner	Individual Name on File
Last Sale	$179,200 (Oct 2025)
Tax Bill	$2,403 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R72 14713 0006`

Property Details

APN / Parcel Number

Primary APN	`R72 14713 0006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	7,749 sqft (0.177 acres)
Lot Dimensions	125 ft deep x 62 ft wide
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4435 READING RD
City	DAYTON
State	OH
Zip	45420-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69166
Legal Subdivision	CITY/DAYTON
Legal Lot Number	6
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	1
Census Block	1024
Census Tract	2900

Owner

4435 Reading Rd is owned by an individual who bought it in October 2025.

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	Individual Name on File
Mailing Address	280 REGENCY RIDGE DR STE 1500, 1500, DAYTON, OH 45459-4285
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Nov 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 13, 2017	Warranty Deed, Transfer LANDMARK TITLE, LANDMARK TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on File
Deed Sale	Oct 29, 2025 · Amount on File
Prior Sale	Nov 15, 2024 · Amount on File
Deed Document Number	2025-00060663
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 29, 2025
Property Address	4435 READING RD, DAYTON, OH 45420-3130
Document Number	0000060663
Instrument Date	Oct 10, 2025
Instrument	2025-00060663
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LANDMARK TITLE AGENCY SOUTH INC, 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
Address	280 REGENCY RIDGE DR STE 1500, 1500, DAYTON, OH 45459-4285

Mortgage

Document Number	0000060664
Date	Oct 29, 2025
Instrument	2025-00060664

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 14, 2017
Property Address	4435 READING RD, DAYTON, OH 45420-3130
Document Number	0000067990
Instrument Date	Nov 2, 2017
Instrument	67990
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$207.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4435 READING RD DAYTON OH 454203130, DAYTON, OH 45420-3130

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Apr 13, 2017
Property Address	4435 READING RD, DAYTON, OH 45420-3130
Document Number	0000021563
Instrument Date	Apr 5, 2017
Instrument	21563
Transaction Type	Transfer
Record Updated	Apr 26, 2017
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4435 READING RD DAYTON OH 454203130, DAYTON, OH 45420-3130

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Dayton City
Unified School District	Dayton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$41,840 (-) Land $10,190 Building $31,650
2024	$2,403.00 (-0.21%)	$41,840 (-) Land $10,190 Building $31,650
2023	$2,408.00 (+12%)	$41,840 (+44.98%) Land $10,190 Building $31,650	$119,530 Land $29,110 Building $90,420
2022	$2,150.00	$28,860 Land $7,030 Building $21,830
2020			$82,440 Land $20,080 Building $62,360

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4435 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.

Wildfire

The area around 4435 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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