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604 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 604 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,236 sqft · built 1959
Lot Size0.182 acres (7,937 sqft)
Owner2 Individual Names on Record
Last Sale$135,000 (Apr 2019)
Tax Bill$3,861 (2024)
Deeds & MortgagesJul 2021 Mortgage
Apr 2019 Sale & Mortgage
Flood ZoneZone X (reduced by levee)
APNK48-00116-0053

Property Details

APN / Parcel Number

Primary APNK48-00116-0053

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,236 sqft Living Area
Gross Area1,776 sqft
1st Floor Area1,236 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Architectural StyleRanch
Exterior MaterialBrick
Lot Area7,937 sqft (0.182 acres)
Lot Dimensions115 ft deep x 69 ft wide
View / LotNeighborhood / Spot
Garage TypeAttached
Garage Area540 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Frame Porch
Porch Area54 sqft
Deck Area240 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address604 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1354
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1623 MITCHELLS 3
Legal SubdivisionMITCHELLS 3
Legal Lot Number53
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2027
Census Tract50301

Owner

Source: Montgomery County records, as of December 30, 2025

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 Record2 Individual Names on Record
Mailing Address604 E COTTAGE AVE, DAYTON, OH 45449-1354
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Jul 8, 2021Deed of Trust, Mortgage · FHA Mortgage
VILLAGE CAPITAL & INVESTMENT LLC
Apr 19, 2019Warranty Deed, Transfer · FHA Mortgage
AMERICAN FIN'L RSRCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 19, 2019 · Amount on Record
Deed SaleApr 19, 2019 · Amount on Record
Prior SaleNov 2, 2005 · Amount on Record
Deed Document Number201919678
Prior Transfer DateJan 28, 2000
Prior Transfer Doc0000000010
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address604 E COTTAGE AVE, DAYTON, OH 45449-1354
Transaction TypeMortgage
Record UpdatedJul 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000051433
DateJul 8, 2021
Instrument2021-00051433
Lender
NameVILLAGE CAPITAL & INVESTMENT LLC
TypeMortgage Company
AddressHENDERSON, NV 89074
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2051

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY OH
Recording DateApr 19, 2019
Property Address604 E COTTAGE AVE, DAYTON, OH 45449-1354
Document Number0000019678
Instrument DateJan 31, 2019
Instrument19678
Transaction TypeTransfer
Record UpdatedMay 7, 2019
Title CompanyTERRA TITLE COMPANY, TERRA TITLE CO.

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$405.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address604 E COTTAGE AVE WEST CARROLLTON OH 454491354, WEST CARROLLTON, OH 45449-1354

Mortgage

Document Number19679
DateApr 19, 2019
Instrument19679
Lender
NameAMERICAN FIN'L RSRCS
TypeFunding / Finance Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 18, 2049

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateOhio
CountyMontgomery County
MunicipalityWest Carrollton City
Unified School DistrictWest Carrollton City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$58,590 (-) Land $8,540 Building $50,050$167,390 (-) Land $24,390 Building $143,000
2024$3,861.00 (+3.71%)
2023$3,723.00 (+9.18%)$58,590 (+39.63%) Land $8,540 Building $50,050$167,390 (+39.64%) Land $24,390 Building $143,000
2022$3,410.00$41,960 Land $6,100 Building $35,860
2020$119,870 Land $17,420 Building $102,450

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 ZoneZone X
reduced by levee · depends on levee performance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims4 (1989–2020)
Claims Outside the SFHA1 of 4
Most Recent ClaimApr 2020 · other causes

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 RiskNot 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 SystemWEST CARROLLTON CITY PWS
serves 8,361 people · EPA ID OH5702812
Water SourceGroundwater
Last State InspectionJan 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting2
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Watch TV
Fixed Wireless		400 / 40
Verizon
Fixed Wireless		300 / 20

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