610 S Elm St, Dayton, OH 45449 Property Records

Montgomery County property record for 610 S Elm St, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,368 sqft · built 1929
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$112,500 (Jan 2023)
Tax Bill	$6,014 (2024)
Deeds & Mortgages	Dec 2024 Line of Credit Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`K48 00219 0023`

Property Details

APN / Parcel Number

Primary APN	`K48 00219 0023`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,368 sqft Living Area
1st Floor Area	1,480 sqft
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Lot Area	54,886 sqft (1.26 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	554 sqft
Patio Area	332 sqft
Shed	1 Shed
Shed Area	252 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	610 S ELM ST
City	DAYTON
State	OH
Zip	45449-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4174
Legal Subdivision	CITY/WEST CARROLLTON
Legal Lot Number	23
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	3
Census Block	3003
Census Tract	50302

Owner

Source: Montgomery County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	610 S ELM ST, DAYTON, OH 45449-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Deed of Trust, Mortgage · Line of Credit DAY AIR CREDIT UNION INC
Feb 10, 2026	Intrafamily Transfer, Transfer · Line of Credit DAY AIR CREDIT UNION INC
Jan 25, 2023	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	Jan 25, 2023 · Amount on Record
Deed Document Number	0000003828
Last Transfer Date	Feb 10, 2026
Transfer Doc	0000008218
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	610 S ELM ST, DAYTON, OH 45449-1708
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 S ELM ST, DAYTON, OH 45449-1708

Mortgage

Document Number	0000066644
Date	Dec 13, 2024
Instrument	2024-00066644

Lender

Name	DAY AIR CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45429

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 10, 2026
Property Address	610 S ELM ST, DAYTON, OH 45449-1708
Document Number	0000008218
Instrument Date	Jan 16, 2026
Instrument	2026-00008218
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 S ELM ST, WEST CARROLLTON, OH 45449-1708

Mortgage

Document Number	0000008219
Date	Feb 10, 2026
Instrument	2026-00008219

Lender

Name	DAY AIR CREDIT UNION INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	5-Year CMT
Margin	3
Max Rate	11.7%

January 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 25, 2023
Property Address	610 S ELM ST, DAYTON, OH 45449-1708
Document Number	0000003828
Instrument Date	Dec 9, 2022
Instrument	202300003828
Transaction Type	Transfer
Record Updated	Feb 3, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	610 S ELM ST, WEST CARROLLTON, OH 45449-1708

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	West Carrollton City
Unified School District	West Carrollton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$97,200 (-) Land $21,040 Building $76,160
2024	$6,014.00 (+0.35%)
2023	$5,993.00 (+20.73%)	$97,200 (+32.99%) Land $21,040 Building $76,160	$277,730 (+32.99%) Land $60,120 Building $217,610
2022	$4,964.00	$73,090 Land $15,820 Building $57,270
2020			$208,830 Land $45,200 Building $163,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	5 (1981–2014)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2014 · river or lake flooding

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	Low lower than 97% of the US · lower than 85% 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	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

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