533 Reading Rd, Dayton, OH 45404 Property Records

Montgomery County property record for 533 Reading Rd, Dayton, OH 45404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 2015
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on File
Last Sale	$29,700 (Nov 2015)
Tax Bill	$4,544 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I39-00520-0057`

Property Details

APN / Parcel Number

Primary APN	`I39-00520-0057`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	700 sqft
Basement Area	160 sqft
Family Room	Family Room

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,407 sqft (0.193 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	533 READING RD
City	DAYTON
State	OH
Zip	45404-1579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23 BRANTWOOD SEC ONE 30YR TIF 2015-2044 TAXABLE 2045
Legal Subdivision	BRANTWOOD
Legal Lot Number	23
Jurisdiction	MONTGOMERY OH
Township / Civil Division	RIVERSIDE
Census Block Group	1
Census Block	1019
Census Tract	90302

Owner

533 Reading Rd is owned and occupied by two individuals who bought it in November 2015.

Source: Montgomery County records, as of July 22, 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 Record	2 Individual Names on File
Mailing Address	533 READING RD, DAYTON, OH 45404-1579
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 17, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 17, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2015 · Amount on File
Deed Sale	Nov 18, 2015 · Amount on File
Deed Document Number	201564038
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	533 READING RD, DAYTON, OH 45404-1579
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 READING RD, DAYTON, OH 45404-1579

Mortgage

Document Number	0000037824
Date	Jun 16, 2022
Instrument	2022-00037824

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	533 READING RD, DAYTON, OH 45404-1579
Document Number	0000005774
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 READING RD DAYTON OH 454041579, DAYTON, OH 45404-1579

Mortgage

Document Number	0000005774
Date	Jan 24, 2020
Instrument	5774

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY OH
Property Address	533 READING RD, DAYTON, OH 45404-1579
Document Number	0000006721
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 READING RD DAYTON OH 454041579, DAYTON, OH 45404-1579

Mortgage

Document Number	0000006721
Date	Jan 28, 2020
Instrument	6721

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 533 Reading Rd was $4,544.

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	$4,544.00	$740 Land $740	$2,110 Land $2,110
2024	$4,544.00 (+7.47%)
2023	$4,228.00 (+3.25%)	$740 (-) Land $740	$2,110 Land $2,110
2022	$4,095.00	$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 533 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 533 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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