Montgomery County property record for 640 E Cottage Ave, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,133 sqft · built 1960 |
| Lot Size | 0.181 acres (7,876 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $124,000 (Nov 2009) |
| Tax Bill | $3,609 (2024) |
| Flood Zone | Zone X (reduced by levee) |
| APN | K48-00215-0008 |
| Primary APN | K48-00215-0008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| Gross Area | 1,471 sqft |
| 1st Floor Area | 1,107 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 7,876 sqft (0.181 acres) |
| Lot Dimensions | 105 ft deep x 75 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Stoop |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 130 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 640 E COTTAGE AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-1354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1644 MITCHELLS 4 |
| Legal Subdivision | MITCHELLS 4 |
| Legal Lot Number | 8 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 50301 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 640 E COTTAGE AVE, DAYTON, OH 45449-1354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2009 · Amount on Record |
| Deed Sale | Nov 10, 2009 · Amount on Record |
| Prior Sale | Aug 14, 2008 · Amount on Record |
| Deed Document Number | 200975629 |
| Prior Transfer Date | Mar 28, 2006 |
| Prior Transfer Doc | 0000027386 |
| Record Updated | Oct 29, 2026 |
Source: Montgomery County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $46,380 (-) Land $8,500 Building $37,880 | $132,500 (-) Land $24,280 Building $108,220 | |
| 2024 | $3,609.00 (+3.29%) | ||
| 2023 | $3,494.00 (+6.39%) | $46,380 (+39.66%) Land $8,500 Building $37,880 | $132,500 (+39.66%) Land $24,280 Building $108,220 |
| 2022 | $3,284.00 | $33,210 Land $6,070 Building $27,140 | |
| 2020 | $94,870 Land $17,340 Building $77,530 |
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.
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.
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 | 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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures