654 Cushing Ave, Dayton, OH 45429 Property Records

Montgomery County property record for 654 Cushing Ave, Dayton, OH 45429 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 1960
Lot Size	0.223 acres (9,718 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jun 2026)
Tax Bill	$4,542 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`N64-02102-0004`

Property Details

APN / Parcel Number

Primary APN	`N64-02102-0004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	1,973 sqft
1st Floor Area	1,471 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	9,718 sqft (0.223 acres)
Lot Dimensions	120 ft deep x 81 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	40 sqft
Deck Area	308 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	654 CUSHING AVE
City	DAYTON
State	OH
Zip	45429-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	239 SHROYER EST 6
Legal Subdivision	SHROYER EST 6
Legal Lot Number	4
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	2
Census Block	2013
Census Tract	20800

Owner

Source: Montgomery County records · APN N64-02102-0004

Assessment roll updated December 30, 2025 · Last verified July 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 File
Mailing Address	412 FITCHS FARM CT, LEBANON, OH 45036-7826
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 04, 2026	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 21, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jun 03, 2019	Warranty Deed, Transfer · Conventional with PMI PURDUE FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2026 · Amount on Record
Deed Sale	Jun 04, 2026 · Amount on Record
Prior Sale	Jan 19, 2024 · Amount on Record
Deed Document Number	202633194
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 04, 2026
Property Address	654 CUSHING AVE, DAYTON, OH 45429-3436
Document Number	0000033194
Instrument Date	Apr 30, 2026
Instrument	202633194
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$87,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	412 FITCHS FARM CT, LEBANON, OH 45036-7826

Mortgage

Document Number	0000033195,
Date	Jun 04, 2026
Instrument	202633195

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.23%
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Apr 21, 2022
Property Address	654 CUSHING AVE, DAYTON, OH 45429-3436
Document Number	0000027065
Map Reference	MB TT PG 58
Instrument Date	Mar 30, 2022
Instrument	2022-00027065
Transaction Type	Transfer
Record Updated	May 06, 2022
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Right of Survivorship
Address	654 CUSHING AVE, KETTERING, OH 45429-3436

Mortgage

Document Number	0000027066
Date	Apr 21, 2022
Instrument	2022-00027066

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 03, 2019
Property Address	654 CUSHING AVE, DAYTON, OH 45429-3436
Document Number	0000028023
Instrument Date	May 17, 2019
Instrument	28023
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TITLE AGCY SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CUSHING AVE DAYTON OH 454293436, DAYTON, OH 45429-3436

Mortgage

Document Number	28040
Date	Jun 03, 2019
Instrument	28040

Lender

Name	PURDUE FCU
Type	Credit Union
Address	WEST LAFAYETTE, IN 47906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 02, 2049

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated December 30, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,542.00 (-0.18%)	$70,650 (-) Land $15,200 Building $55,450	$201,870 (-) Land $43,440 Building $158,430
2024	$4,550.00 (+107.86%)
2023	$2,189.00	$70,650 Land $15,200 Building $55,450	$201,870 Land $43,440 Building $158,430

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (39113C), updated June 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391130208002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 591 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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