490 Centennial Ct, Dayton, OH 45458 Property Records

Montgomery County property record for 490 Centennial Ct, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,470 sqft · built 1990
Lot Size	0.569 acres (24,829 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,453 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O68 01508 0018`

Property Details

APN / Parcel Number

Primary APN	`O68 01508 0018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,470 sqft Living Area
1st Floor Area	1,798 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	24,829 sqft
Lot Dimensions	171 ft deep x 145 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	490 CENTENNIAL CT
City	DAYTON
State	OH
Zip	45458-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	214 ROSE ESTATES SEC 11
Legal Subdivision	ROSE ESTATES SEC 11
Legal Lot Number	18
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2040
Census Tract	40406

Owner

Source: Montgomery County records, as of January 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	490 CENTENNIAL CT, DAYTON, OH 45458-4012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Apr 6, 2018	Deed of Trust, Mortgage · FHA Mortgage GUARANTY TR
Dec 11, 2017	Quit Claim Deed, Mortgage · FHA Mortgage POLARIS HM FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017
Deed Sale	Dec 11, 2017
Prior Sale	Oct 2, 2008 · Amount on Record
Deed Document Number	2017-00073535
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	490 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000000427
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	490 CENTENNIAL CT CENTERVILLE OH 454584012, CENTERVILLE, OH 45458-4012

Mortgage

Document Number	0000000427
Date	Jan 5, 2021
Instrument	427

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 4, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	490 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000022176
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	May 4, 2018
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	490 CENTENNIAL CT CENTERVILLE OH 454584012, CENTERVILLE, OH 45458-4012

Mortgage

Document Number	0000022176
Date	Apr 19, 2018
Instrument	22176

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

December 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 11, 2017
Property Address	490 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000073535
Instrument Date	Nov 13, 2017
Instrument	73535
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TRINITY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 CENTENNIAL CT CENTERVILLE OH 454584012, CENTERVILLE, OH 45458-4012

Mortgage

Document Number	73536
Date	Dec 11, 2017
Instrument	73536

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Washington Township
Municipality	Centerville City
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$117,650 (+38.31%) Land $18,600 Building $99,050
2024	$7,453.00 (+50.84%)
2023	$4,941.00 (+4.9%)	$85,060 (+32.29%) Land $18,600 Building $66,460	$336,140 (+82.97%) Land $53,130 Building $283,010
2022	$4,710.00	$64,300 Land $14,090 Building $50,210
2020			$183,710 Land $40,250 Building $143,460

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1998 · 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.

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	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Point Broadband.

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