65 Centre St, Dayton, OH 45403 Property Records

Montgomery County property record for 65 Centre St, Dayton, OH 45403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,375 sqft · built 1919
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (Mar 2025)
Tax Bill	$746 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Sep 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R72 01210 0041`

Property Details

APN / Parcel Number

Primary APN	`R72 01210 0041`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,375 sqft Living Area
1st Floor Area	545 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	65 CENTRE ST
City	DAYTON
State	OH
Zip	45403-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5517
Legal Subdivision	CITY/DAYTON REV
Legal Lot Number	41
Jurisdiction	MONTGOMERY OH
Township / Civil Division	DAYTON
Census Block Group	5
Census Block	5009
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Huffman Historic District listed 1982 · 663 contributing resources · NRIS 82003618

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 690748, SAN ANTONIO, TX 78269-0748
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit DARRIN CAREY
Sep 30, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jun 20, 2017	Grant Deed, Transfer ATTORNEY ONLY
Feb 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Mar 25, 2021 · Amount on Record
Deed Document Number	2025-00016485
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Mar 25, 2021
Property Address	65 CENTRE ST, DAYTON, OH 45403-1903
Document Number	0000024194
Instrument Date	Feb 22, 2021
Instrument	2021-00024194
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	FIRST OHIO TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 CENTRE ST, DAYTON, OH 45403-1903

Mortgage

Document Number	0000024195
Date	Mar 25, 2021
Instrument	2021-00024195

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	65 CENTRE ST, DAYTON, OH 45403-1903
Document Number	0000077566
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 W BABBITT ST DAYTON OH 454054803, DAYTON, OH 45405-4803

Mortgage

Document Number	0000077566
Date	Dec 22, 2020
Instrument	77566

Lender

Name	DARRIN CAREY
Address	DAYTON, OH 45434

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 30, 2020
Property Address	65 CENTRE ST, DAYTON, OH 45403-1903
Document Number	0000058785
Instrument Date	Aug 25, 2020
Instrument	58785
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$53.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 W BABBITT ST DAYTON OH 454054803, DAYTON, OH 45405-4803

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 20, 2017
Property Address	65 CENTRE ST, DAYTON, OH 45403-1903
Document Number	0000036022
Instrument Date	Jun 20, 2017
Instrument	36022
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1935 RICHARD ST DAYTON OH 454032546, DAYTON, OH 45403-2546

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 10, 2017
Property Address	65 CENTRE ST, DAYTON, OH 45403-1903
Document Number	0000008845
Instrument Date	Jan 23, 2017
Instrument	8845
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 N DIXIE DR #B VANDALIA OH 453772037, B, VANDALIA, OH 45377-2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$746.00 (-42.13%)	$22,820 (-) Land $3,670 Building $19,150
2023	$1,289.00 (-20.68%)	$22,820 (+2.15%) Land $3,670 Building $19,150	$65,190 (+2.13%) Land $10,490 Building $54,700
2022	$1,625.00	$22,340 Land $3,600 Building $18,740
2020			$63,830 Land $10,280 Building $53,550

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	DAYTON PUBLIC WATER SYSTEM serves 141,407 people · EPA ID OH5703512
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	470 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 753 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

Nearby Properties on Centre St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures