531 Reading Rd, Dayton, OH 45404 Property Records

Montgomery County property record for 531 Reading Rd, Dayton, OH 45404

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,142 sqft · built 2015
Lot Size	0.228 acres (9,932 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Dec 2022)
Tax Bill	$5,031 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I39 00520 0058`

Property Details

APN / Parcel Number

Primary APN	`I39 00520 0058`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,142 sqft Living Area
1st Floor Area	804 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,932 sqft (0.228 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	98 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	531 READING RD
City	DAYTON
State	OH
Zip	45404-1579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24 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

531 Reading Rd is owned and occupied by an individual who bought it in December 2022.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	531 READING RD, DAYTON, OH 45404-1579
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK
Mar 5, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Sep 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022 · Amount on File
Deed Sale	Dec 28, 2022 · Amount on File
Prior Sale	Mar 5, 2019 · Amount on File
Deed Document Number	2022-00078919
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 28, 2022
Property Address	531 READING RD, DAYTON, OH 45404-1579
Document Number	0000078919
Map Reference	MB 222 PG 26-26B
Instrument Date	Dec 6, 2022
Instrument	2022-00078919
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	531 READING RD, RIVERSIDE, OH 45404-1579

Mortgage

Document Number	0000078920
Date	Dec 28, 2022
Instrument	2022-00078920

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 5, 2019
Property Address	531 READING RD, DAYTON, OH 45404-1579
Document Number	0000011188
Instrument Date	Feb 28, 2019
Instrument	11188
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	531 READING RD DAYTON OH 454041579, DAYTON, OH 45404-1579

Mortgage

Document Number	11189
Date	Mar 5, 2019
Instrument	11189

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 22, 2017
Property Address	531 READING RD, DAYTON, OH 45404-1579
Document Number	0000056171
Instrument Date	Jun 21, 2017
Instrument	56171
Transaction Type	Transfer
Record Updated	Oct 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 READING RD DAYTON OH 454041579, DAYTON, OH 45404-1579

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	$5,031.00 (+7.5%)
2023	$4,680.00 (+3.24%)	$740 (-) Land $740	$2,110 Land $2,110
2022	$4,533.00	$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

FEMA maps place 531 Reading Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 531 Reading Rd 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	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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