526 Reading Rd, Dayton, OH 45404 Property Records

Montgomery County property record for 526 Reading Rd, Dayton, OH 45404

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,485 sqft · built 2015
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jul 2025)
Tax Bill	$4,880 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I39-00520-0048`

Property Details

APN / Parcel Number

Primary APN	`I39-00520-0048`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,485 sqft Living Area
Gross Area	2,989 sqft
1st Floor Area	700 sqft
Basement Area	645 sqft
Finished Basement	645 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,102 sqft (0.186 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	244 sqft
Deck Area	Deck Area
Patio Area	164 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	526 READING RD
City	DAYTON
State	OH
Zip	45404-1497
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 BRANTWOOD SEC ONE 30YR TIF 2015-2044 TAXABLE 2045
Legal Subdivision	BRANTWOOD
Legal Lot Number	14
Jurisdiction	MONTGOMERY OH
Township / Civil Division	RIVERSIDE
Census Block Group	1
Census Block	1019
Census Tract	90302

Owner

Source: Montgomery County records, as of March 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	526 READING RD, DAYTON, OH 45404-1497
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 27, 2022	Intrafamily Transfer, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Mar 13, 2023 · Amount on Record
Deed Document Number	202539605
Prior Transfer Date	Oct 14, 2022
Prior Transfer Doc	0000067618
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	526 READING RD, DAYTON, OH 45404-1497
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 READING RD, DAYTON, OH 45404-1497

Mortgage

Document Number	0000014488
Date	Mar 10, 2026
Instrument	2026-00014488

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 13, 2023
Property Address	526 READING RD, DAYTON, OH 45404-1497
Document Number	0000013322
Map Reference	MB 222 PG 26-26B
Instrument Date	Feb 24, 2023
Instrument	202300013322
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 READING RD, DAYTON, OH 45404-1497

Mortgage

Document Number	0000013323
Date	Mar 13, 2023
Instrument	202300013323

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 27, 2022
Property Address	526 READING RD, DAYTON, OH 45404-1497
Document Number	0000067618
Map Reference	MB 222 PG 26-26B
Instrument Date	Oct 14, 2022
Instrument	2022-00067618
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 READING RD, DAYTON, OH 45404-1497

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	526 READING RD, DAYTON, OH 45404-1497

Mortgage

Document Number	0000067619
Date	Oct 27, 2022
Instrument	2022-00067619

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 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	$2,110 (-) Land $2,110
2024	$4,880.00 (-0.79%)
2023	$4,919.00 (+3.25%)	$740 (-) Land $740	$2,110 (-) Land $2,110
2022	$4,764.00	$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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