Montgomery County property record for 507 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,133 sqft · built 1959 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $133,000 (Feb 2021) |
| Tax Bill | $3,481 (2024) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48 00116 0046 |
| Primary APN | K48 00116 0046 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| 1st Floor Area | 1,107 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,583 sqft |
| Garage Type | Mixed |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 308 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 144 sqft |
| Canopy | 166 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 507 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1521 MITCHELL 2 |
| Legal Subdivision | MITCHELL 2 |
| Legal Lot Number | 46 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 50301 |
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 Record |
|---|---|
| Mailing Address | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2021 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG LLC |
| Dec 17, 2018 | Grant Deed, Transfer · FHA Mortgage NORTHPOINTE BK |
| Dec 17, 2018 | Affidavit of Death, Transfer REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2021 · Amount on Record |
| Deed Sale | Feb 9, 2021 · Amount on Record |
| Prior Sale | Dec 17, 2018 · Amount on Record |
| Deed Document Number | 2021-00009922 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 9, 2021 |
| Property Address | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Document Number | 0000009922 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 2021-00009922 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | M&M TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment 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 | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Document Number | 0000009923 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 2021-00009923 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Document Number | 0000015179 |
| Instrument Date | Feb 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2020 |
| Title Company | FIRST OHIO TITLE INSURANCE, FIRST OHIO TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 507 E COTTAGE AVE WEST CARROLLTON OH 454491351, WEST CARROLLTON, OH 45449-1351 |
| Document Number | 0000015179 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 15179 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | LEWISVILLE, TX 75057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Dec 17, 2018 |
| Property Address | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Document Number | 0000073181 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 73181 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $366.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 507 E COTTAGE AVE WEST CARROLLTON OH 454491351, WEST CARROLLTON, OH 45449-1351 |
| Document Number | 73182 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 73182 |
| Name | NORTHPOINTE BK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2048 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Dec 17, 2018 |
| Property Address | 507 E COTTAGE AVE, DAYTON, OH 45449-1351 |
| Document Number | 0000073179 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 73179 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 507 E COTTAGE AVE WEST CARROLLTON OH 454491351, WEST CARROLLTON, OH 45449-1351 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $50,630 (-) Land $7,350 Building $43,280 | ||
| 2024 | $3,481.00 (+5.58%) | ||
| 2023 | $3,297.00 (+8.63%) | $50,630 (+39.63%) Land $7,350 Building $43,280 | $144,670 (+39.64%) Land $21,000 Building $123,670 |
| 2022 | $3,035.00 | $36,260 Land $5,250 Building $31,010 | |
| 2020 | $103,600 Land $15,000 Building $88,600 |
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.
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 4 (1979–2005) |
| Most Recent Claim | Jan 2005 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 81% 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 | WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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