522 Reading Rd, Dayton, OH 45404 Property Records

Montgomery County property record for 522 Reading Rd, Dayton, OH 45404

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,136 sqft · built 2016
Lot Size	0.21 acres (9,191 sqft)
Owner	Individual Name on File
Last Sale	$246,500 (May 2016)
Tax Bill	$5,449 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I39 00520 0046`

Property Details

APN / Parcel Number

Primary APN	`I39 00520 0046`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area
1st Floor Area	812 sqft
Basement Area	1,154 sqft
Finished Basement	850 sqft
Unfinished Basement	304 sqft
Family Room	Family Room

Exterior

Year Built	Built 2016
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,191 sqft (0.21 acres)
Garage Area	208 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	283 sqft
Patio Area	283 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 READING RD
City	DAYTON
State	OH
Zip	45404-1497
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 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	1019
Census Tract	90302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	884 PLEASANT VALLEY DR, SPRINGBORO, OH 45066-1159
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jun 2, 2020	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jan 20, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	2016-00027273
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	522 READING RD, DAYTON, OH 45404-1497
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083094
Date	Nov 1, 2021
Instrument	2021-00083094

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	522 READING RD, DAYTON, OH 45404-1497
Document Number	0000032963
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 READING RD DAYTON OH 454041497, DAYTON, OH 45404-1497

Mortgage

Document Number	0000032963
Date	Jun 10, 2020
Instrument	32963

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	522 READING RD, DAYTON, OH 45404-1497
Document Number	0000008378
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Feb 20, 2017
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 READING RD DAYTON OH 454041497, DAYTON, OH 45404-1497

Mortgage

Document Number	0000008378
Date	Feb 8, 2017
Instrument	8378

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.5%

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	$5,449.00 (+7.5%)
2023	$5,069.00 (+3.24%)	$740 (-) Land $740	$2,110 (-) Land $2,110
2022	$4,910.00	$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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