Montgomery County property record for 635 Cushing Ave, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,904 sqft · built 1959 |
| Lot Size | 0.236 acres (10,285 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,500 (Sep 2005) |
| Tax Bill | $5,094 (2024) |
| Deeds & Mortgages | Jan 2023 Second Mortgage May 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-02005-0021 |
| Primary APN | N64-02005-0021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| Gross Area | 2,344 sqft |
| 1st Floor Area | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Colonial |
| Exterior Material | Brick/Stone |
| Construction Type | Steel Frame |
| Lot Area | 10,285 sqft (0.236 acres) |
| Lot Dimensions | 121 ft deep x 85 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 272 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 635 CUSHING AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-3448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70 BI OAK 2 |
| Legal Subdivision | BI OAK 2 |
| Legal Lot Number | 21 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20800 |
635 Cushing Ave is owned and occupied by an individual who acquired it in April 2021.
Source: Montgomery County records, as of December 30, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 635 CUSHING AVE, DAYTON, OH 45429-3448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DAY AIR CREDIT UNION INC |
| May 5, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 13, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage DAY AIR CU INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2005 · Amount on File |
| Deed Sale | Sep 22, 2005 · Amount on File |
| Deed Document Number | 200596564 |
| Last Transfer Date | Apr 13, 2021 |
| Transfer Doc | 0000036717 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 635 CUSHING AVE, DAYTON, OH 45429-3448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 635 CUSHING AVE, KETTERING, OH 45429-3448 |
| Document Number | 0000003656 |
|---|---|
| Date | Jan 25, 2023 |
| Instrument | 202300003656 |
| Name | DAY AIR CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45429 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | May 5, 2021 |
| Property Address | 635 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000036717 |
| Instrument Date | Apr 13, 2021 |
| Instrument | 36717 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 CUSHING AVE KETTERING OH 454293448, KETTERING, OH 45429-3448 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | May 13, 2021 |
| Property Address | 635 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000036717 |
| Map Reference | MB XX PG 5 |
| Instrument Date | Apr 13, 2021 |
| Instrument | 2021-00036717 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2021 |
| Title Company | STERLING LAND TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 CUSHING AVE, KETTERING, OH 45429-3448 |
| Document Number | 0000036718 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 2021-00036718 |
| Name | DAY AIR CU INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $79,170 Land $15,680 Building $63,490 | $226,190 Land $44,800 Building $181,390 | |
| 2024 | $5,094.00 (+2.91%) | ||
| 2023 | $4,950.00 (+8.43%) | $79,170 (+37.28%) Land $15,680 Building $63,490 | $226,190 Land $44,800 Building $181,390 |
| 2022 | $4,565.00 | $57,670 Land $11,450 Building $46,220 | |
| 2020 | $164,750 Land $32,700 Building $132,050 |
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.
FEMA maps place 635 Cushing Ave in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 635 Cushing 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315 |
|---|---|
| Water Source | Purchased surface water from DAYTON PUBLIC WATER SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2017 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 591 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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