6539 Cloud Ct, Dayton, OH 45424 Property Records

Montgomery County property record for 6539 Cloud Ct, Dayton, OH 45424

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,236 sqft · built 1990
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Owner Names on File
Last Sale	$117,900 (Sep 1997)
Tax Bill	$4,231 (2024)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P70 00716 0036`

Property Details

APN / Parcel Number

Primary APN	`P70 00716 0036`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,236 sqft Living Area
1st Floor Area	1,092 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Lot Area	10,454 sqft
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	300 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6539 CLOUD CT
City	DAYTON
State	OH
Zip	45424-7012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14922 H C HUBER #60 SEC 10
Legal Subdivision	HUBER
Legal Lot Number	36
Jurisdiction	MONTGOMERY OH
Township / Civil Division	HUBER HEIGHTS
Census Block Group	3
Census Block	3008
Census Tract	100102

Owner

The current owner of 6539 Cloud Ct bought it in September 1997.

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

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

Owner of Record	2 Owner Names on File
Mailing Address	8235 OLD TROY PIKE, HUBER HEIGHTS, OH 45424-1025

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 1997 · Amount on File
Deed Sale	Sep 18, 1997 · Amount on File
Deed Document Number	0019409
Deed Book / Page	0000970629 / 0000000B12
Prior Transfer Date	Sep 17, 1997
Prior Transfer Doc	0000629B12
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	6539 CLOUD CT, DAYTON, OH 45424-7012
Document Number	0000068019
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	539 CLOUD CT HUBER HEIGHTS OH 45424, HUBER HEIGHTS, OH 45424

Mortgage

Document Number	0000068019
Date	Nov 19, 2018
Instrument	68019

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45434

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$77,810 Land $15,710 Building $62,100
2024	$4,231.00 (+3.45%)
2023	$4,090.00 (+6.9%)	$77,810 (+36.01%) Land $15,710 Building $62,100	$222,310 Land $44,880 Building $177,430
2022	$3,826.00	$57,210 Land $11,550 Building $45,660
2020			$163,460 Land $33,000 Building $130,460

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 6539 Cloud Ct 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
Nearby Flood Policies	3 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.

Wildfire

Wildfire risk around 6539 Cloud Ct 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20