Montgomery County property record for 539 Reading Rd, Dayton, OH 45404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,112 sqft · built 2015 |
| Lot Size | 0.226 acres (9,845 sqft) |
| Owner | Company Name on Record |
| Last Sale | $270,000 (Jan 2025) |
| Tax Bill | $4,791 (2024) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | I39 00520 0054 |
| Primary APN | I39 00520 0054 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| 1st Floor Area | 804 sqft |
| Basement Area | 288 sqft |
| Unfinished Basement | 288 sqft |
| Family Room | Family Room |
| Year Built | Built 2015 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 9,845 sqft (0.226 acres) |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 539 READING RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45404-1579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20 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 |
Source: Montgomery County records, as of January 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 7003 CURTIS DR SE, SNOQUALMIE, WA 98065-9074 |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2025 · Amount on Record |
| Deed Sale | Jan 29, 2025 · Amount on Record |
| Prior Sale | Jan 21, 2016 · Amount on Record |
| Deed Document Number | 2025-00004960 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 539 READING RD, DAYTON, OH 45404-1579 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000035281 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 2021-00035281 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Riverside City |
| Unified School District | Mad River Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $740 (-) Land $740 | ||
| 2024 | $4,791.00 (+7.49%) | ||
| 2023 | $4,457.00 (+3.24%) | $740 (-) Land $740 | $2,110 (-) Land $2,110 |
| 2022 | $4,317.00 | $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.
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.
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.
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 |
| 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.
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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