522 Cedar St, Dayton, OH 45449 Property Records

Montgomery County property record for 522 Cedar St, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,133 sqft · built 1957
Lot Size	0.223 acres (9,583 sqft)
Owner	Individual Name on File
Tax Bill	$3,515 (2024)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`K48-00108-0044`

Property Details

APN / Parcel Number

Primary APN	`K48-00108-0044`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,133 sqft Living Area
Gross Area	1,455 sqft
1st Floor Area	1,107 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	9,583 sqft (0.223 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 CEDAR ST
City	DAYTON
State	OH
Zip	45449-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1363 MITCHELL 1
Legal Subdivision	MITCHELL 1
Legal Lot Number	44
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	1
Census Block	1036
Census Tract	50301

Owner

522 Cedar St is owned and occupied by an individual who acquired it in August 2021.

Source: Montgomery County records, as of December 30, 2025

Owner of Record	Individual Name on File
Mailing Address	522 CEDAR ST, DAYTON, OH 45449-1346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2021
Deed Sale	Aug 12, 2021
Prior Sale	Jul 24, 2009 · Amount on File
Deed Document Number	202160676
Prior Transfer Date	Jun 1, 2021
Prior Transfer Doc	0000060676
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 12, 2021
Property Address	522 CEDAR ST, DAYTON, OH 45449-1346
Document Number	0000060676
Instrument Date	Jun 1, 2021
Instrument	2021-00060676
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	VANTAGE LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 CEDAR ST, WEST CARROLLTON, OH 45449-1346
Investor	Possibly a Property Investor

Mortgage

Document Number	0000060678
Date	Aug 12, 2021
Instrument	2021-00060678

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,450 Land $7,350 Building $36,100	$124,150 Land $21,000 Building $103,150
2024	$3,515.00 (+0.14%)
2023	$3,510.00 (+6.62%)	$46,720 (+39.67%) Land $7,350 Building $39,370	$124,150 Land $21,000 Building $103,150
2022	$3,292.00	$33,450 Land $5,250 Building $28,200
2020			$95,580 Land $15,000 Building $80,580

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

Flood

FEMA maps place 522 Cedar St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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 522 Cedar St 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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