46 Cliff St, Dayton, OH 45405 Property Records

Montgomery County property record for 46 Cliff St, Dayton, OH 45405

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,360 sqft · built 1927
Lot Size	0.096 acres (4,186 sqft)
Owner	Individual Name on File
Last Sale	$59,000 (Jan 2000)
Tax Bill	$910 (2024)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R72 11210 0003`

Property Details

APN / Parcel Number

Primary APN	`R72 11210 0003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
1st Floor Area	624 sqft
Basement Area	192 sqft
Unfinished Basement	192 sqft

Exterior

Year Built	Built 1927
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,186 sqft (0.096 acres)
Lot Dimensions	93 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	46 CLIFF ST
City	DAYTON
State	OH
Zip	45405-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	42931
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	3
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	1
Census Block	1025
Census Tract	801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	46 CLIFF ST, DAYTON, OH 45405-2804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 25, 2000 · Amount on Record
Deed Sale	Jan 25, 2000 · Amount on Record
Deed Document Number	0000045B09
Deed Book / Page	R72
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	46 CLIFF ST, DAYTON, OH 45405-2804
Document Number	0000031450
Instrument Date	May 3, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	46 CLIFF ST DAYTON OH 454052804, DAYTON, OH 45405-2804

Mortgage

Document Number	0000031450
Date	May 30, 2017
Instrument	31450

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 29, 2037

Interest

Rate Type	Adjustable Rate

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		$15,610 (-) Land $3,410 Building $12,200
2024	$910.00 (+2.48%)
2023	$888.00 (+0.34%)	$15,610 (+29.87%) Land $3,410 Building $12,200	$44,620 (+30.01%) Land $9,750 Building $34,870
2022	$885.00	$12,020 Land $2,630 Building $9,390
2020			$34,320 Land $7,500 Building $26,820

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	Not rated no burnable land within ember reach

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 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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