650 S Elm St, Dayton, OH 45449 Property Records

Montgomery County property record for 650 S Elm St, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,184 sqft · built 1953
Lot Size	0.144 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$152,500 (Mar 2021)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K48-00221-0011`

Property Details

APN / Parcel Number

Primary APN	`K48-00221-0011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	1,699 sqft
1st Floor Area	988 sqft
Game Room	Game Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.144 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	35 sqft
Deck Area	144 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 S ELM ST
City	DAYTON
State	OH
Zip	45449-1763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	865
Legal Subdivision	CITY/WEST CARROLLTON
Legal Lot Number	11
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	3
Census Block	3003
Census Tract	50302

Owner

650 S Elm St is owned and occupied by two individuals who bought it in March 2021.

Source: Montgomery County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	650 S ELM ST, DAYTON, OH 45449-1763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Jan 15, 2013 · Amount on File
Deed Document Number	202119159
Prior Transfer Date	Mar 4, 2008
Prior Transfer Doc	0000017831
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 16, 2026
Property Address	650 S ELM ST, DAYTON, OH 45449-1763
Document Number	0000035892
Instrument Date	May 16, 2026
Instrument	202635892
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	650 S ELM ST, DAYTON, OH 45449-1763

Mortgage

Document Number	0000035892,
Date	Jun 16, 2026
Instrument	202635892

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	650 S ELM ST, DAYTON, OH 45449-1763
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063925
Date	Aug 25, 2021
Instrument	2021-00063925

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 650 S Elm St was $2,612.

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,612.00	$42,200 Land $11,640 Building $30,560	$120,560 Land $33,250 Building $87,310
2024	$2,612.00 (+2.11%)
2023	$2,558.00 (+4.84%)	$42,200 (+33%) Land $11,640 Building $30,560	$120,560 Land $33,250 Building $87,310
2022	$2,440.00	$31,730 Land $8,750 Building $22,980
2020			$90,660 Land $25,000 Building $65,660

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 650 S Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	5 (1981–2014)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2014 · river or lake flooding

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 650 S Elm St 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 93% of the US · lower than 68% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Watch TV.

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