611 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 611 E Cottage Ave, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,133 sqft · built 1960
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,236 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`K48 00215 0013`

Property Details

APN / Parcel Number

Primary APN	`K48 00215 0013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,133 sqft Living Area
1st Floor Area	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	6,970 sqft
Garage Type	Mixed
Garage Area	308 sqft
Carport	Carport
Carport Area	182 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	611 E COTTAGE AVE
City	DAYTON
State	OH
Zip	45449-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1649 MITCHELLS 4
Legal Subdivision	MITCHELLS 4
Legal Lot Number	13
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	2
Census Block	2017
Census Tract	50301

Owner

611 E Cottage Ave is owned and occupied by two individuals who acquired it in June 2020.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	611 E COTTAGE AVE, DAYTON, OH 45449-1353
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Mar 14, 1997 · Amount on File
Last Transfer Date	Jun 18, 2020
Transfer Doc	0000034990
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 18, 2020
Property Address	611 E COTTAGE AVE, DAYTON, OH 45449-1353
Document Number	0000034990
Instrument Date	Jun 3, 2020
Instrument	34990
Transaction Type	Transfer
Record Updated	Aug 5, 2020
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	611 E COTTAGE AVE DAYTON OH 454491353, DAYTON, OH 45449-1353

Mortgage

Document Number	35035
Date	Jun 18, 2020
Instrument	35035

Lender

Name	WRIGHTPATT CU INC
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

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		$43,840 Land $7,350 Building $36,490
2024	$3,236.00 (+3.45%)
2023	$3,128.00 (+7.05%)	$43,840 (+39.66%) Land $7,350 Building $36,490	$125,250 Land $21,000 Building $104,250
2022	$2,922.00	$31,390 Land $5,250 Building $26,140
2020			$89,690 Land $15,000 Building $74,690

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

Flood

FEMA maps place 611 E Cottage Ave in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1989–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 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

The area around 611 E Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 305 locations within half a mile, as of December 31, 2025

Provider	Max 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