Montgomery County property record for 81 N Main St, Centerville, OH 45459
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3 bd · 4 ba · 7,358 sqft · built 1814 |
| Lot Size | 2.61 acres (113,866 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $18,606 (2024) |
| Deeds & Mortgages | Jul 2022 Line of Credit Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | O68 00103 0025 |
| Primary APN | O68 00103 0025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 7,358 sqft Total Area |
| 1st Floor Area | 4,262 sqft |
| 2nd Floor Area | 2,083 sqft |
| Basement Area | 1,013 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1814 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 113,866 sqft (2.61 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 417 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 81 N MAIN ST |
|---|---|
| City | CENTERVILLE |
| State | OH |
| Zip | 45459-4645 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | 30 6-2-25 ROBBINS 1-3-46 |
| Legal Subdivision | ROBBINS |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 40401 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Centerville Historic District listed 1974 · 40 contributing resources · NRIS 74001577 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 2100 E STROOP RD, DAYTON, OH 45429-4128 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 25, 2022 | Deed of Trust, Mortgage · Line of Credit LCNB NATIONAL BANK |
| Apr 23, 2020 | Deed of Trust, Mortgage · Line of Credit LCNB NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2002 |
| Deed Sale | Aug 7, 2002 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 81 N MAIN ST, CENTERVILLE, OH 45459-4645 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2100 E STROOP RD, KETTERING, OH 45429-4128 |
| Document Number | 0000046112 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 2022-00046112 |
| Name | LCNB NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LEBANON, OH 45036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 81 N MAIN ST, CENTERVILLE, OH 45459-4645 |
| Document Number | 0000024262 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2100 E STROOP RD KETTERING OH 454294128, KETTERING, OH 45429-4128 |
| Document Number | 0000024262 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 24262 |
| Name | LCNB NAT'L BK |
|---|---|
| Type | Bank |
| Address | 105 N BROADWAY ST, LEBANON, OH 45036-1703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 27, 2035 |
| Rate Type | Adjustable Rate |
|---|
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| County Subdivision | Washington Township |
| Municipality | Centerville City |
| Unified School District | Centerville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $217,210 (-) Land $106,340 Building $110,870 | ||
| 2024 | $18,606.00 (+7.12%) | ||
| 2023 | $17,370.00 (-4.64%) | $217,210 (+1%) Land $106,340 Building $110,870 | $620,620 (+1%) Land $303,840 Building $316,780 |
| 2022 | $18,215.00 | $197,470 Land $96,680 Building $100,790 | |
| 2020 | $564,200 Land $276,220 Building $287,980 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1982–1989) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1989 · Severe Storms & 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTGOMERY COUNTY WATER SERVICES 1 PWS serves 150,207 people · EPA ID OH5701315 |
|---|---|
| Water Source | Purchased surface water from DAYTON PUBLIC WATER SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2017 |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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