Montgomery County property record for 832 Saint Simons Ln, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,908 sqft · built 2006 |
| Lot Size | 0.437 acres (19,036 sqft) |
| Owner | Trust Name on File |
| Last Sale | $503,000 (Jun 2023) |
| Tax Bill | $10,000 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 21524 0055 |
| Primary APN | O67 21524 0055 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,908 sqft Living Area |
| 1st Floor Area | 1,908 sqft |
| Basement Area | 925 sqft |
| Finished Basement | 925 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Lot Area | 19,036 sqft (0.437 acres) |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 209 sqft |
| Deck Area | 182 sqft |
| Patio Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 832 SAINT SIMONS LN |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-2877 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 55 PARAGON PLACE |
| Legal Subdivision | PARAGON PLACE |
| Legal Lot Number | 55 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 40406 |
832 Saint Simons Ln is owner-occupied and held in a trust since April 2025.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Apr 8, 2025 | Intrafamily Transfer, Transfer |
| Jun 29, 2023 | Fiduciary Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 14, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on File |
| Deed Sale | Jun 29, 2023 · Amount on File |
| Prior Sale | Jun 29, 2023 · Amount on File |
| Deed Document Number | 0000033027 |
| Last Transfer Date | Apr 8, 2025 |
| Transfer Doc | 0000018824 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Document Number | 0000067699 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025-00067699 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.85% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Apr 8, 2025 |
| Property Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Document Number | 0000018824 |
| Map Reference | MB 198 PG 25&25 |
| Instrument Date | Feb 28, 2025 |
| Instrument | 2025-00018824 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jun 29, 2023 |
| Property Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Document Number | 0000033027 |
| Map Reference | MB 198 PG 25&25A |
| Instrument Date | Jun 16, 2023 |
| Instrument | 202300033027 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | PM TITLE COMPANY, M&M TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 832 SAINT SIMONS LN, CENTERVILLE, OH 45458-2877 |
| Document Number | 0000033028 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 202300033028 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 832 SAINT SIMONS LN, DAYTON, OH 45458-2877 |
| Document Number | 0000017992 |
| Instrument Date | Mar 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 832 SAINT SIMONS LN CENTERVILLE OH 454582877, CENTERVILLE, OH 45458-2877 |
| Document Number | 0000017992 |
|---|---|
| Date | Mar 27, 2017 |
| Instrument | 17992 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| 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 |
| Unified School District | Centerville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $148,380 Land $32,340 Building $116,040 | ||
| 2024 | $10,000.00 (+8.59%) | ||
| 2023 | $9,209.00 (+4.1%) | $148,380 (+31.67%) Land $32,340 Building $116,040 | $423,940 Land $92,400 Building $331,540 |
| 2022 | $8,846.00 | $112,690 Land $24,500 Building $88,190 | |
| 2020 | $321,970 Land $70,000 Building $251,970 |
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.
FEMA maps place 832 Saint Simons Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1998 · other causes |
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 risk around 832 Saint Simons Ln 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 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 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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