520 Waterfront Pl, Dayton, OH 45458 Property Records

Montgomery County property record for 520 Waterfront Pl, Dayton, OH 45458

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,008 sqft · built 1990
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Sep 2017)
Tax Bill	$1,723 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O67 51015 0024`

Property Details

APN / Parcel Number

Primary APN	`O67 51015 0024`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Condo/Apartment
Exterior Material	Combination
Construction Type	Frame
Lot Area	1,307 sqft
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 WATERFRONT PL
City	DAYTON
State	OH
Zip	45458-3872
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BLDG 5 UNIT 520 WATERFRONT PLACE CONDO SEC 2
Legal Subdivision	WATERFRONT PLACE CONDO
Legal Lot Number	24
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	40306

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
Mailing Address	520 WATERFRONT PL, DAYTON, OH 45458-3872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Sep 11, 2017	Warranty Deed, Transfer · Conventional with PMI UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2017 · Amount on Record
Deed Sale	Sep 11, 2017 · Amount on Record
Prior Sale	Feb 7, 2014 · Amount on Record
Deed Document Number	2017-00053395
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	520 WATERFRONT PL, DAYTON, OH 45458-3872
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077571
Date	Oct 12, 2021
Instrument	2021-00077571

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 11, 2017
Property Address	520 WATERFRONT PL, DAYTON, OH 45458-3872
Document Number	0000053395
Instrument Date	Aug 30, 2017
Instrument	53395
Transaction Type	Transfer
Record Updated	Nov 6, 2017
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 WATERFRONT PL DAYTON OH 454583872, DAYTON, OH 45458-3872

Mortgage

Document Number	53418
Date	Sep 11, 2017
Instrument	53418

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 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
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$35,640 (-) Land $7,520 Building $28,120
2024	$1,723.00 (+4.61%)
2023	$1,647.00 (+22.27%)	$35,640 (+37.98%) Land $7,520 Building $28,120	$101,820 (+37.99%) Land $21,480 Building $80,340
2022	$1,347.00	$25,830 Land $5,450 Building $20,380
2020			$73,790 Land $15,570 Building $58,220

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

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	6 in force
Nearby Flood Claims	2 (2002–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2018 · rainfall accumulation

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 98% of the US · lower than 90% 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Point Broadband.

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