515 Reading Rd, Dayton, OH 45404 Property Records

Montgomery County property record for 515 Reading Rd, Dayton, OH 45404

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,684 sqft · built 2015
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$268,800 (Mar 2015)
Tax Bill	$4,551 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I39 00520 0081`

Property Details

APN / Parcel Number

Primary APN	`I39 00520 0081`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,420 sqft
Basement Area	894 sqft
Finished Basement	750 sqft
Unfinished Basement	144 sqft
Family Room	Family Room

Exterior

Year Built	Built 2015
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Lot Area	11,979 sqft (0.275 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	164 sqft
Deck Area	138 sqft
Patio Area	138 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 READING RD
City	DAYTON
State	OH
Zip	45404-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	47 BRANTWOOD SEC ONE 30YR TIF 2015-2044 TAXABLE 2045
Legal Subdivision	BRANTWOOD SEC 1
Jurisdiction	MONTGOMERY OH
Township / Civil Division	RIVERSIDE
Census Block Group	1
Census Block	1020
Census Tract	90302

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	515 READING RD, DAYTON, OH 45404-1570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2015 · Amount on Record
Deed Sale	Mar 24, 2015 · Amount on Record
Prior Sale	Jan 8, 2015 · Amount on Record
Deed Document Number	2015-00014424
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	515 READING RD, DAYTON, OH 45404-1570
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035853
Date	Jun 8, 2022
Instrument	2022-00035853

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 25, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	515 READING RD, DAYTON, OH 45404-1570
Document Number	0000066039
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 READING RD DAYTON OH 454041570, DAYTON, OH 45404-1570

Mortgage

Document Number	0000066039
Date	Nov 2, 2020
Instrument	66039

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Riverside City
Unified School District	Mad River Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$740 (-) Land $740
2024	$4,551.00 (-8.94%)
2023	$4,998.00 (+3.41%)	$740 (-) Land $740	$2,110 (-) Land $2,110
2022	$4,833.00	$740 Land $740
2020			$2,110 Land $2,110

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	1 in force

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 96% of the US · lower than 81% 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 2 PWS serves 83,033 people · EPA ID OH5701503
Water Source	Purchased surface water from DAYTON PUBLIC WATER SYSTEM
Last State Inspection	Jan 2025
Also Mapped Here	MONTGOMERY COUNTY WATER SERVICES 1 PWS
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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