7970 W 3rd St, Dayton, OH 45417 Property Records

Montgomery County property record for 7970 W 3rd St, Dayton, OH 45417

Property Summary

Property Type	Office Building
Details	2,648 sqft · built 1900
Lot Size	0.684 acres (29,830 sqft)
Owner	Owner Name on File
Last Sale	$197,500 (Jan 2010)
Tax Bill	$4,589 (2024)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`G28 18206 0009`

Property Details

APN / Parcel Number

Primary APN	`G28 18206 0009`

Interior

Stories	1 Story
Building Area	2,648 sqft Total Area
1st Floor Area	2,648 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Exterior Material	Brick Veneer
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	29,830 sqft (0.684 acres)
Lot Dimensions	163 ft deep x 183 ft wide
Porch	Open Porch
Porch Area	268 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7970 W 3RD ST
City	DAYTON
State	OH
Zip	45417-7561
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	1,2,3,4 HIGDON & HIX 182-6-10,31,32
Legal Subdivision	HIGDON & HIX
Legal Lot Number	9
Jurisdiction	MONTGOMERY OH
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3004
Census Tract	50600

Owner

The current owner of 7970 W 3rd St bought it in January 2010.

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

Owner of Record	Owner Name on File
Mailing Address	7970 W 3RD ST, DAYTON, OH 45417-7561
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2010 · Amount on File
Deed Sale	Jan 12, 2010 · Amount on File
Deed Document Number	0000002013
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	7970 W 3RD ST, DAYTON, OH 45417-7561
Document Number	0000063487
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7970 W 3RD ST DAYTON OH 454177561, DAYTON, OH 45417-7561

Mortgage

Document Number	0000063487
Date	Oct 24, 2017
Instrument	63487

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Jefferson Township
Unified School District	Trotwood-Madison City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$41,510 Land $3,670 Building $37,840
2024	$4,589.00 (+1.8%)
2023	$4,508.00 (-9.48%)	$41,510 (-) Land $3,670 Building $37,840	$118,580 Land $10,480 Building $108,100
2022	$4,980.00	$41,510 Land $3,670 Building $37,840
2020			$118,580 Land $10,480 Building $108,100

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 7970 W 3rd St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1989–2020)
Most Recent Claim	Mar 2020 · other causes
Claims by Event	Severe Storms & Flooding, May 1989 · 2 claims

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 7970 W 3rd 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 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20