829 S Elm St, Dayton, OH 45449 Property Records

Montgomery County property record for 829 S Elm St, Dayton, OH 45449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1950
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (May 2021)
Tax Bill	$3,783 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`K48 00218 0023`

Property Details

APN / Parcel Number

Primary APN	`K48 00218 0023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	32,670 sqft
Lot Dimensions	161 ft deep x 203 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	829 S ELM ST
City	DAYTON
State	OH
Zip	45449-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	854
Legal Subdivision	ORCHARD HILL ESTATES SEC 03
Legal Block	854
Legal Lot Number	23
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WEST CARROLLTON
Census Block Group	3
Census Block	3010
Census Tract	50302

Owner

829 S Elm St is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	829 S ELM ST, DAYTON, OH 45449-2261
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 19, 2021	Warranty Deed, Transfer · Conventional Mortgage VALLEY CENTRAL BANK
Aug 15, 2018	Grant Deed, Transfer · Conventional with PMI FIFTH THIRD MTG
Jun 7, 2018	Deed in Lieu of Foreclosure, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	2021-00038482
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	May 19, 2021
Property Address	829 S ELM ST, DAYTON, OH 45449-2261
Document Number	0000038482
Map Reference	MB Y PG 36
Instrument Date	Apr 29, 2021
Instrument	2021-00038482
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	FIRST OHIO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	829 S ELM ST, DAYTON, OH 45449-2261

Mortgage

Document Number	0000038483
Date	May 19, 2021
Instrument	2021-00038483

Lender

Name	VALLEY CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 15, 2018
Property Address	829 S ELM ST, DAYTON, OH 45449-2261
Document Number	0000047743
Instrument Date	Aug 1, 2018
Instrument	47743
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 S ELM ST DAYTON OH 454492261, DAYTON, OH 45449-2261

Mortgage

Document Number	47744
Date	Aug 15, 2018
Instrument	47744

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2048

June 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	MONTGOMERY OH
Recording Date	Jun 7, 2018
Property Address	829 S ELM ST, DAYTON, OH 45449-2261
Document Number	0000032915
Instrument Date	Apr 4, 2018
Instrument	32915
Transaction Type	Foreclosure
Record Updated	Jul 6, 2018
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	829 S ELM ST WEST CARROLLTON OH 454492261, WEST CARROLLTON, OH 45449-2261

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,340 Land $11,640 Building $48,700
2024	$3,783.00 (+2.05%)
2023	$3,707.00 (+4.72%)	$60,340 (+33%) Land $11,640 Building $48,700	$172,400 Land $33,250 Building $139,150
2022	$3,540.00	$45,370 Land $8,750 Building $36,620
2020			$129,640 Land $25,000 Building $104,640

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 829 S Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	5 (1981–2014)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2014 · river or lake 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.

Wildfire

Wildfire risk around 829 S Elm 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 96% of the US · lower than 81% 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	WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812
Water Source	Groundwater
Last State Inspection	Jan 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Watch TV.

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