494 Centennial Ct, Dayton, OH 45458 Property Records

Montgomery County property record for 494 Centennial Ct, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,774 sqft · built 1977
Lot Size	0.474 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jul 2019)
Tax Bill	$6,586 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O68-01508-0017`

Property Details

APN / Parcel Number

Primary APN	`O68-01508-0017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,774 sqft
Family Room	Family Room

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	20,473 sqft (0.474 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	125 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	494 CENTENNIAL CT
City	DAYTON
State	OH
Zip	45458-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	213 ROSE ESTATES SEC 11
Legal Subdivision	ROSE ESTATES
Legal Lot Number	17
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2040
Census Tract	40406

Owner

494 Centennial Ct is owned and occupied by two individuals who bought it in July 2019.

Source: Montgomery County records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	494 CENTENNIAL CT, DAYTON, OH 45458-4012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 1, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS
Jul 11, 2019	Warranty Deed, Transfer · Conventional with PMI WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on File
Deed Sale	Jul 11, 2019 · Amount on File
Deed Document Number	201935679
Prior Transfer Date	May 6, 2015
Prior Transfer Doc	0000026610
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 2, 2026
Property Address	494 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000032522
Instrument Date	May 27, 2026
Instrument	202632522
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 CENTENNIAL CT, DAYTON, OH 45458-4012
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032522,
Date	Jun 2, 2026
Instrument	202632522

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 27, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	494 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000057721
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 CENTENNIAL CT DAYTON OH 454584012, DAYTON, OH 45458-4012

Mortgage

Document Number	0000057721
Date	Sep 28, 2020
Instrument	57721

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 11, 2019
Property Address	494 CENTENNIAL CT, DAYTON, OH 45458-4012
Document Number	0000035679
Instrument Date	Jun 20, 2019
Instrument	35679
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 CENTENNIAL CT CENTERVILLE OH 454584012, CENTERVILLE, OH 45458-4012

Mortgage

Document Number	35745
Date	Jul 11, 2019
Instrument	35745

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431-1706

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 494 Centennial Ct was $6,586, down 0.2% from the year before.

Source: Montgomery County assessment roll, as of December 30, 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	$6,586.00 (-0.17%)	$103,930 Land $18,600 Building $85,330	$296,940 Land $53,130 Building $243,810
2024	$6,597.00 (+9.37%)
2023	$6,032.00 (+4.92%)	$103,930 (+32.29%) Land $18,600 Building $85,330	$296,940 Land $53,130 Building $243,810
2022	$5,749.00	$78,560 Land $14,090 Building $64,470
2020			$224,460 Land $40,250 Building $184,210

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

FEMA maps place 494 Centennial Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 494 Centennial Ct 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	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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