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634 E Cottage Ave, Dayton, OH 45449 Property Records

Montgomery County property record for 634 E Cottage Ave, Dayton, OH 45449

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,236 sqft · built 1960
Lot Size0.221 acres (9,148 sqft)
OwnerIndividual Name on Record
Last Sale$54,480 (Sep 2017)
Tax Bill$3,087 (2024)
Deeds & MortgagesSep 2017 Transfer
Aug 2017 Mortgage
Flood ZoneZone X (reduced by levee)
APNK48-00215-0009

Property Details

APN / Parcel Number

Primary APNK48-00215-0009

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,236 sqft Living Area
Gross Area1,776 sqft
1st Floor Area1,236 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleRanch
Exterior MaterialBrick
Lot Area9,148 sqft (0.221 acres)
Lot Dimensions161 ft deep x 58 ft wide
View / LotNeighborhood / Spot
Garage TypeAttached
Garage Area540 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Frame Porch
Porch Area54 sqft
Patio Area192 sqft
Canopy192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address634 E COTTAGE AVE
CityDAYTON
StateOH
Zip45449-1354
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1645 MITCHELLS 4
Legal SubdivisionMITCHELLS 4
Legal Lot Number9
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 RecordIndividual Name on Record
Mailing Address634 E COTTAGE AVE, DAYTON, OH 45449-1354
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 26, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 25, 2017Deed of Trust, Mortgage · FHA Mortgage
FIFTH THIRD MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 26, 2017 · Amount on Record
Deed SaleSep 26, 2017 · Amount on Record
Prior SaleApr 21, 2004 · Amount on Record
Deed Document Number201756948
Prior Transfer DateSep 13, 2017
Prior Transfer Doc0000056948
Record UpdatedOct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTGOMERY OH
Recording DateSep 26, 2017
Property Address634 E COTTAGE AVE, DAYTON, OH 45449-1354
Document Number0000056948
Instrument DateSep 13, 2017
Instrument56948
Transaction TypeTransfer
Record UpdatedOct 23, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address634 E COTTAGE AVE DAYTON OH 454491354, DAYTON, OH 45449-1354

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY OH
Property Address634 E COTTAGE AVE, DAYTON, OH 45449-1354
Document Number0000052474
Instrument DateAug 25, 2017
Transaction TypeMortgage
Record UpdatedOct 2, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address634 E COTTAGE AVE WEST CARROLLTON OH 454491354, WEST CARROLLTON, OH 45449-1354

Mortgage

Document Number0000052474
DateSep 7, 2017
Instrument52474
Lender
NameFIFTH THIRD MTG
TypeMortgage Company
AddressCINCINNATI, OH 45227
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term180 Months
DueSep 6, 2032

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$47,860 (-) Land $7,350 Building $40,510$136,740 (-) Land $21,000 Building $115,740
2024$3,087.00 (+4.29%)
2023$2,960.00 (+9.27%)$47,860 (+39.66%) Land $7,350 Building $40,510$136,740 (+39.64%) Land $21,000 Building $115,740
2022$2,709.00$34,270 Land $5,250 Building $29,020
2020$97,920 Land $15,000 Building $82,920

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 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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