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528 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 528 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,242 sqft · built 1959
Lot Size0.182 acres (7,937 sqft)
Owner2 Individual Names on Record
Last Sale$125,000 (Feb 2012)
Tax Bill$3,716 (2025)
Deeds & MortgagesJul 2026 Sale
Dec 2025 Sale
Flood ZoneZone X (reduced by levee)
APNK48-00116-0054

Property Details

APN / Parcel Number

Primary APNK48-00116-0054

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,242 sqft Living Area
Gross Area1,592 sqft
1st Floor Area1,242 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Architectural StyleRanch
Exterior MaterialBrick
Lot Area7,937 sqft (0.182 acres)
Lot Dimensions115 ft deep x 69 ft wide
View / LotNeighborhood / Spot
Garage TypeAttached
Garage Area350 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Frame Porch
Porch Area42 sqft
Deck Area615 sqft
Patio Area615 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address528 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1352
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1624 MITCHELLS SUBD SEC 3
Legal SubdivisionMITCHELLS SUBD
Legal Lot Number54
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2027
Census Tract50301

Owner

Source: Montgomery County records, as of July 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address528 E COTTAGE AVE, DAYTON, OH 45449-1352
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 15, 2025Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2012 · Amount on Record
Deed SaleFeb 6, 2012 · Amount on Record
Prior SaleMar 21, 2011 · Amount on Record
Deed Document Number20127487
Last Transfer DateJun 27, 2026
Transfer Doc0000039625
Record UpdatedOct 29, 2026

July 2026: Deed, Transfer

Document TypeDeed
JurisdictionMONTGOMERY OH
Recording DateJul 6, 2026
Property Address528 E COTTAGE AVE, DAYTON, OH 45449-1352
Document Number0000039625
Instrument DateJun 27, 2026
Instrument202639625
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 E COTTAGE AVE, DAYTON, OH 45449-1352

December 2025: Certificate of Transfer, Transfer

Document TypeCertificate of Transfer
JurisdictionMONTGOMERY OH
Recording DateDec 15, 2025
Property Address528 E COTTAGE AVE, DAYTON, OH 45449-1352
Document Number0000070493
Instrument DateDec 8, 2025
Instrument2025-00070493
Transaction TypeTransfer
Record UpdatedJan 2, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 EAST CORAGE AVE, WEST CARROLLTON, OH 45449

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityWest Carrollton City
Unified School DistrictWest Carrollton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,716.00$55,670 (-) Land $8,540 Building $47,130$159,050 (-) Land $24,390 Building $134,660
2024$3,716.00 (+5.99%)$55,670 (-) Land $8,540 Building $47,130
2023$3,506.00 (+9.05%)$55,670 (+39.66%) Land $8,540 Building $47,130$159,050 (+39.65%) Land $24,390 Building $134,660
2022$3,215.00$39,860 Land $6,100 Building $33,760
2020$113,890 Land $17,420 Building $96,470

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims4 (1989–2020)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 2020 · other causes

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 RiskNot rated
no burnable land within 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 SystemWEST CARROLLTON CITY PWS
serves 8,361 people · EPA ID OH5702812
Water SourceGroundwater
Last State InspectionJan 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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

ProviderMax 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

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