5428 Split Rock Dr, Dayton, OH 45424 Property Records

Montgomery County property record for 5428 Split Rock Dr, Dayton, OH 45424

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,714 sqft · built 1973
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Sep 2026)
Tax Bill	$4,229 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I39300221-0012`

Property Details

APN / Parcel Number

Primary APN	`I39300221-0012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,714 sqft Living Area
Gross Area	2,954 sqft
1st Floor Area	1,657 sqft
Basement Area	1,057 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Frame/Masonry
Construction Type	Steel Frame
Lot Area	10,454 sqft (0.239 acres)
View / Lot	Neighborhood / Spot
Garage Type	Basement
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	268 sqft
Deck Area	528 sqft
Patio Area	64 sqft
Canopy	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5428 SPLIT ROCK DR
City	DAYTON
State	OH
Zip	45424-4748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	789 FOREST RIDGE FOUR SEC7
Legal Subdivision	FOREST RIDGE
Legal Lot Number	12
Jurisdiction	MONTGOMERY OH
Township / Civil Division	RIVERSIDE
Census Block Group	3
Census Block	3003
Census Tract	90304

Owner

Source: Montgomery County records, as of October 13, 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	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIME LENDING
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Nov 9, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	202655849
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 17, 2026
Property Address	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748
Document Number	0000055849
Instrument Date	Aug 14, 2026
Instrument	202655849
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748

Mortgage

Document Number	0000055850,
Date	Sep 17, 2026
Instrument	202655850

Lender

Name	PRIME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jul 2, 2021
Property Address	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748
Document Number	0000050249
Map Reference	MB 93 PG 11&12
Instrument Date	May 20, 2021
Instrument	2021-00050249
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	VANTAGE LAND TITLE

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748

Mortgage

Document Number	0000050250
Date	Jul 2, 2021
Instrument	2021-00050250

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	5428 SPLIT ROCK DR, DAYTON, OH 45424-4748
Document Number	0000069389
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5428 SPLIT ROCK DR DAYTON OH 454244748, DAYTON, OH 45424-4748

Mortgage

Document Number	0000069389
Date	Nov 28, 2018
Instrument	69389

Lender

Name	PNC BK
Type	Bank
Address	DAYTON, OH 45424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Fairborn City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,229.00	$79,680 (-) Land $13,720 Building $65,960	$227,650 (-) Land $39,200 Building $188,450
2024	$4,229.00 (+2.97%)
2023	$4,107.00 (+15.66%)	$79,680 (+40.01%) Land $13,720 Building $65,960	$227,650 (+4%) Land $39,200 Building $188,450
2022	$3,551.00	$56,910 Land $9,800 Building $47,110
2020			$162,610 Land $28,000 Building $134,610

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	Not 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 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
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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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