Montgomery County property record for 651 E Main St, Dayton, OH 45426
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 10,214 sqft · built 1970 |
| Lot Size | 0.913 acres (39,779 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $29,711 (2024) |
| Deeds & Mortgages | Dec 2020 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | H33 00102 0011 |
| Primary APN | H33 00102 0011 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 10,214 sqft Total Area |
| 1st Floor Area | 10,214 sqft |
| Year Built | Built 1970 |
|---|---|
| Lot Area | 39,779 sqft (0.913 acres) |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 651 E MAIN ST |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45426-2907 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | 5-4-15 |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | TROTWOOD |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 70500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 651 E MAIN ST, DAYTON, OH 45426-2907 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · Line of Credit DIRECTOR OF THE DEVELOPMENT SERVICES AGE |
| Jun 12, 2020 | Warranty Deed, Transfer SECURITY NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2020 |
| Deed Sale | Jun 12, 2020 |
| Deed Document Number | 2020-00033526 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 651 E MAIN ST, DAYTON, OH 45426-2907 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 651 E MAIN ST, TROTWOOD, OH 45426-2907 |
| Document Number | 0000078320 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 2020-00078320 |
| Name | DIRECTOR OF THE DEVELOPMENT SERVICES AGE |
|---|---|
| Type | Non-Lending Institution |
| Address | COLUMBUS, OH 43215 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jun 12, 2020 |
| Property Address | 651 E MAIN ST, DAYTON, OH 45426-2907 |
| Document Number | 0000033526 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 2020-00033526 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 E MAIN ST, TROTWOOD, OH 45426-2907 |
| Document Number | 0000033528 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 2020-00033528 |
| Name | SECURITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Trotwood City |
| Unified School District | Trotwood-Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $307,430 (-) Land $17,790 Building $289,640 | ||
| 2024 | $29,711.00 (+2.83%) | ||
| 2023 | $28,893.00 (+57.78%) | $307,430 (-1.52%) Land $17,790 Building $289,640 | $878,380 (-1.52%) Land $50,840 Building $827,540 |
| 2022 | $18,312.00 | $312,180 Land $16,950 Building $295,230 | |
| 2020 | $891,930 Land $48,420 Building $843,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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 | TROTWOOD CITY PWS serves 9,000 people · EPA ID OH5702403 |
|---|---|
| Water Source | Purchased surface water from DAYTON PUBLIC WATER SYSTEM |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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