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625 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 625 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,159 sqft · built 1960
Lot Size0.174 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$87,300 (Sep 2014)
Tax Bill$3,498 (2024)
Deeds & MortgagesApr 2019 Mortgage
Jan 2019 Transfer
Flood ZoneZone X (reduced by levee)
APNK48-00215-0014

Property Details

APN / Parcel Number

Primary APNK48-00215-0014

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,159 sqft Living Area
Gross Area1,467 sqft
1st Floor Area1,107 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleRanch
Exterior MaterialBrick
Lot Area7,405 sqft (0.174 acres)
View / LotNeighborhood / Spot
Garage TypeAttached
Garage Area308 sqft
Parking Spaces1 Parking Space
PorchOpen Frame Porch
Porch Area314 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address625 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1353
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1650 MITCHELLS 4
Legal SubdivisionMITCHELLS 4
Legal Lot Number14
JurisdictionMONTGOMERY OH
Township / Civil DivisionWEST CARROLLTON
Census Block Group2
Census Block2017
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 RecordIndividual Name on Record
Mailing Address625 E COTTAGE AVE, DAYTON, OH 45449-1353
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2019Deed of Trust, Mortgage · FHA Mortgage
EQUITY RSRCS
Jan 11, 2019Quit Claim Deed, Transfer
FIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 18, 2014 · Amount on Record
Deed SaleSep 18, 2014 · Amount on Record
Prior SaleApr 22, 2008 · Amount on Record
Deed Document Number201449443
Last Transfer DateJan 10, 2019
Transfer Doc0000001793
Record UpdatedJun 8, 2026

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address625 E COTTAGE AVE, DAYTON, OH 45449-1353
Document Number0000020035
Instrument DateApr 10, 2019
Transaction TypeMortgage
Record UpdatedMay 10, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address625 E COTTAGE AVE WEST CARROLLTON OH 454491353, WEST CARROLLTON, OH 45449-1353

Mortgage

Document Number0000020035
DateApr 22, 2019
Instrument20035
Lender
NameEQUITY RSRCS
TypeFunding / Finance Company
AddressNEWARK, OH 43055
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 21, 2049

January 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTGOMERY OH
Recording DateJan 11, 2019
Property Address625 E COTTAGE AVE, DAYTON, OH 45449-1353
Document Number0000001793
Instrument DateJan 10, 2019
Instrument1793
Transaction TypeTransfer
Record UpdatedJan 30, 2019
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY LAWYERS TITLE AGCY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address625 E COTTAGE AVE DAYTON OH 454491353, DAYTON, OH 45449-1353

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$49,110 (-) Land $7,350 Building $41,760$140,310 (-) Land $21,000 Building $119,310
2024$3,498.00 (+3.64%)
2023$3,375.00 (+7.66%)$49,110 (+39.64%) Land $7,350 Building $41,760$140,310 (+39.64%) Land $21,000 Building $119,310
2022$3,135.00$35,170 Land $5,250 Building $29,920
2020$100,480 Land $15,000 Building $85,480

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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