6494 Emerald Downs Pl, Dayton, OH 45424 Property Records

Montgomery County property record for 6494 Emerald Downs Pl, Dayton, OH 45424

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,064 sqft · built 2017
Lot Size	0.332 acres (14,484 sqft)
Owner	2 Individual Names on File
Last Sale	$33,400 (Jun 2017)
Tax Bill	$8,158 (2024)
Deeds & Mortgages	Oct 2018 Line of Credit Mar 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P70 02212 0029`

Property Details

APN / Parcel Number

Primary APN	`P70 02212 0029`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,064 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	1,300 sqft
Finished Basement	800 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,484 sqft (0.332 acres)
Garage Area	603 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	342 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6494 EMERALD DOWNS PL
City	DAYTON
State	OH
Zip	45424-3878
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	137 LEXINGTON PLACE SECTION SIX 30 YR TID 100% NV 2019-2048 TAXABLE 2049
Legal Subdivision	LEXINGTON PLACE SEC
Jurisdiction	MONTGOMERY OH
Township / Civil Division	HUBER HEIGHTS
Census Block Group	1
Census Block	1004
Census Tract	100101

Owner

6494 Emerald Downs Pl is owned and occupied by two individuals who acquired it in August 2018.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6494 EMERALD DOWNS PL, DAYTON, OH 45424-3878
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 26, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Aug 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2017	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017 · Amount on File
Deed Sale	Jun 22, 2017 · Amount on File
Prior Sale	Jun 22, 2017 · Amount on File
Deed Document Number	0000036345
Last Transfer Date	Aug 8, 2018
Transfer Doc	0000046362
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	6494 EMERALD DOWNS PL, DAYTON, OH 45424-3878
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059406
Date	Oct 9, 2018
Instrument	2018-00059406

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	6494 EMERALD DOWNS PL, DAYTON, OH 45424-3878
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014833
Date	Mar 26, 2019
Instrument	2019-00014833

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 8, 2018
Property Address	6494 EMERALD DOWNS PL, DAYTON, OH 45424-3878
Document Number	0000046362
Instrument Date	Aug 8, 2018
Instrument	46362
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 RAY ST DAYTON OH 454041760, DAYTON, OH 45404-1760

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 22, 2017
Property Address	6494 EMERALD DOWNS PL, DAYTON, OH 45424-3878
Document Number	0000036345
Instrument Date	Jun 6, 2017
Instrument	36345
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 RAY ST DAYTON OH 454041760, DAYTON, OH 45404-1760

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Huber Heights City
Unified School District	Huber Heights City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$14,630 Land $14,630
2024	$8,158.00 (+107.06%)
2023	$3,940.00 (+304.1%)	$14,630 (-) Land $14,630	$41,800 Land $41,800
2022	$975.00	$14,630 Land $14,630
2020			$41,800 Land $41,800

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

FEMA maps place 6494 Emerald Downs Pl in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1995.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1995–2014)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 2014 · rainfall accumulation

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

Wildfire risk around 6494 Emerald Downs Pl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 System	HUBER HEIGHTS PUBLIC WATER SYSTEM private · serves 43,439 people · EPA ID OH5703612
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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