Montgomery County property record for 474 Chowning Cir, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,480 sqft · built 1971 |
| Lot Size | 0.876 acres (38,333 sqft) |
| Owner | Company Name on File |
| Last Sale | $304,000 (Jan 2026) |
| Tax Bill | $15,177 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jan 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-03605-0007 |
| Primary APN | N64-03605-0007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,480 sqft Living Area |
| Gross Area | 4,320 sqft |
| 1st Floor Area | 1,620 sqft |
| Basement Area | 240 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 38,333 sqft (0.876 acres) |
| Terrain | Above Road/Slope |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Stoop |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 480 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 474 CHOWNING CIR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 GLOUCESTER GLEN |
| Legal Subdivision | GLOUCESTER GLEN |
| Legal Lot Number | 7 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 20300 |
474 Chowning Cir is owned by a company that bought it in January 2026.
Source: Montgomery County records, as of October 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 410 ADAMS RD, LOVELAND, OH 45140-7225 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 22, 2026 | Warranty Deed, Transfer · Balloon Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Jan 8, 2026 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2026 · Amount on File |
| Deed Sale | Jan 8, 2026 · Amount on File |
| Deed Document Number | 20261783 |
| Prior Transfer Date | Sep 3, 2016 |
| Prior Transfer Doc | 0000050545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 22, 2026 |
| Property Address | 474 CHOWNING CIR, DAYTON, OH 45429-1628 |
| Document Number | 0000004719 |
| Map Reference | MB 78 PG 46 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 2026-00004719 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2026 |
| Title Company | CLEVELAND HOME TITLE INC, CLEVELAND HOME TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2738 ASHWOOD DR, LOVELAND, OH 45140-5586 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004720 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 2026-00004720 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Feb 1, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 8, 2026 |
| Property Address | 474 CHOWNING CIR, DAYTON, OH 45429-1628 |
| Document Number | 0000001783 |
| Map Reference | MB 78 PG 46 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 2026-00001783 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 ADAMS RD, LOVELAND, OH 45140-7225 |
The 2025 property tax bill for 474 Chowning Cir was $15,177, up 19% from the year before.
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,177.00 (+19.02%) | $200,460 Land $32,930 Building $167,530 | $572,740 Land $94,080 Building $478,660 |
| 2024 | $12,752.00 (+2.94%) | ||
| 2023 | $12,388.00 (+1.24%) | $200,460 (+28%) Land $32,930 Building $167,530 | $572,740 Land $94,080 Building $478,660 |
| 2022 | $12,236.00 | $156,610 Land $25,730 Building $130,880 | |
| 2020 | $447,450 Land $73,500 Building $373,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Chowning Cir 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 risk around 474 Chowning Cir is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
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