Montgomery County property record for 647 Cushing Ave, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,639 sqft · built 1958 |
| Lot Size | 0.195 acres (8,512 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jul 2021) |
| Tax Bill | $4,280 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N64-02102-0008 |
| Primary APN | N64-02102-0008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,639 sqft Living Area |
| Gross Area | 2,039 sqft |
| 1st Floor Area | 1,639 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 8,512 sqft (0.195 acres) |
| Lot Dimensions | 115 ft deep x 74 ft wide |
| View / Lot | Neighborhood / Spot |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 252 sqft |
| Patio Area | 24 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 647 CUSHING AVE |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-3448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 243 SHROYER EST 6 |
| Legal Subdivision | SHROYER EST 6 |
| Legal Lot Number | 8 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20800 |
647 Cushing Ave is owned and occupied by two individuals who bought it in July 2021.
Source: Montgomery County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Line of Credit OLD FORT BANKING COMPANY |
| Oct 7, 2022 | Deed of Trust, Mortgage · Line of Credit THE OLD FORT BANKING COMPANY |
| Jul 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE OLD FORT BANKING COMPANY |
| Jan 29, 2020 | Warranty Deed, Transfer PERFORMANCE TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2021 · Amount on File |
| Deed Sale | Jul 12, 2021 · Amount on File |
| Prior Sale | Jan 29, 2020 · Amount on File |
| Deed Document Number | 202152188 |
| Prior Transfer Date | Sep 23, 1994 |
| Prior Transfer Doc | 0000021389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Sep 22, 2026 |
| Property Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000056860 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202656860 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000056860, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 202656860 |
| Name | OLD FORT BANKING COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 8, 2036 |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2023 |
| Title Company | HOME SITE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000063046 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 2022-00063046 |
| Name | THE OLD FORT BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | OLD FORT, OH 44861 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 22, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 12, 2021 |
| Property Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000052188 |
| Map Reference | MB TT PG 58 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 2021-00052188 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000052189 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 2021-00052189 |
| Name | THE OLD FORT BANKING COMPANY |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 29, 2020 |
| Property Address | 647 CUSHING AVE, DAYTON, OH 45429-3448 |
| Document Number | 0000006969 |
| Instrument Date | Jan 22, 2020 |
| Instrument | 6969 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2020 |
| Title Company | PERFORMANCE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $180.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2717 MEADOW PARK DR DAYTON OH 454401440, DAYTON, OH 45440-1440 |
The 2025 property tax bill for 647 Cushing Ave was $4,280.
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 | $4,280.00 | $66,580 Land $14,190 Building $52,390 | $190,220 Land $40,540 Building $149,680 |
| 2024 | $4,280.00 (+2.71%) | ||
| 2023 | $4,167.00 (+8.4%) | $66,580 (+37.28%) Land $14,190 Building $52,390 | $190,220 Land $40,540 Building $149,680 |
| 2022 | $3,844.00 | $48,500 Land $10,360 Building $38,140 | |
| 2020 | $138,550 Land $29,590 Building $108,960 |
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 647 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 647 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures