Montgomery County property record for 5482 Union Rd, Clayton, OH 45315
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,988 sqft · built 1954 |
| Lot Size | 0.953 acres (41,513 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Feb 2021) |
| Tax Bill | $5,440 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H33-01019-0001 |
| Primary APN | H33-01019-0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,988 sqft Living Area |
| Gross Area | 2,648 sqft |
| 1st Floor Area | 1,820 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 41,513 sqft (0.953 acres) |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Concrete/Masonry Porch |
|---|---|
| Porch Area | 72 sqft |
| Patio Area | 168 sqft |
| Canopy | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5482 UNION RD |
|---|---|
| City | CLAYTON |
| State | OH |
| Zip | 45315-8940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 GRILLS |
| Legal Subdivision | GRILLS |
| Legal Lot Number | 1 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | TROTWOOD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 70101 |
5482 Union Rd is owned and occupied by an individual who bought it in February 2021.
Source: Montgomery County records, as of May 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Line of Credit WRIGHTPATT CREDIT UNION INC |
| Feb 11, 2022 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 25, 2021 | Warranty Deed, Transfer ASPEN LAND TITLE AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on File |
| Deed Sale | Feb 25, 2021 · Amount on File |
| Deed Document Number | 202115153 |
| Prior Transfer Date | Oct 16, 2020 |
| Prior Transfer Doc | 0000005599 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | May 5, 2026 |
| Property Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Document Number | 0000027119 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202627119 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Document Number | 0000027119, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 202627119 |
| Name | WRIGHTPATT CREDIT UNION INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 25, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 11, 2022 |
| Property Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Document Number | 0000009508 |
| Map Reference | MB Z PG 52 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022-00009508 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2022 |
| Title Company | FIRST OHIO TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Document Number | 0000009509 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 2022-00009509 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Feb 25, 2021 |
| Property Address | 5482 UNION RD, CLAYTON, OH 45315-8940 |
| Document Number | 0000015153 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 15153 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2021 |
| Title Company | ASPEN LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $150.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9181 WESTBROOK RD BROOKVILLE OH 453098306, BROOKVILLE, OH 45309-8306 |
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Trotwood City |
| Unified School District | Trotwood-Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $78,710 Land $6,340 Building $72,370 | $224,900 Land $18,120 Building $206,780 | |
| 2024 | $5,440.00 (+1.51%) | ||
| 2023 | $5,359.00 (+16.12%) | $78,710 (+51.02%) Land $6,340 Building $72,370 | $224,900 Land $18,120 Building $206,780 |
| 2022 | $4,615.00 | $52,120 Land $4,200 Building $47,920 | |
| 2020 | $148,910 Land $12,000 Building $136,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5482 Union 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 | 8 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 risk around 5482 Union 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 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
| 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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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