8550 Garnet Dr, Dayton, OH 45458 Property Records

Montgomery County property record for 8550 Garnet Dr, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,142 sqft · built 1975
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,498 (2024)
Deeds & Mortgages	Jan 2023 Transfer May 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`O67 21712 0002`

Property Details

APN / Parcel Number

Primary APN	`O67 21712 0002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,142 sqft Living Area
1st Floor Area	2,064 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	20,909 sqft
Garage Area	926 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8550 GARNET DR
City	DAYTON
State	OH
Zip	45458-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	347 OAK CREEK SOUTH SEC 7
Legal Subdivision	OAK CREEK SOUTH SEC 7
Legal Lot Number	2
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3011
Census Tract	40405

Owner

8550 Garnet Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	8550 GARNET DR, DAYTON, OH 45458-3205
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
Jan 25, 2023	Transfer on Death Deed, Transfer
May 28, 2020	Deed of Trust, Mortgage · Line of Credit FIRST OHIO HM FIN INC
Sep 20, 2019	Deed of Trust, Mortgage · Line of Credit FIRST OHIO HM FIN INC
May 7, 2018	Deed of Trust, Mortgage · Line of Credit DAY AIR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 25, 2023
Property Address	8550 GARNET DR, DAYTON, OH 45458-3205
Document Number	0000003670
Map Reference	MB 94 PG 12
Instrument Date	Jan 20, 2023
Instrument	202300003670
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8550 GARNET DR, DAYTON, OH 45458-3205

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	8550 GARNET DR, DAYTON, OH 45458-3205
Document Number	0000031542
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	WIN TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8550 GARNET DR CENTERVILLE OH 454583205, CENTERVILLE, OH 45458-3205

Mortgage

Document Number	0000031542
Date	Jun 3, 2020
Instrument	31542

Lender

Name	FIRST OHIO HM FIN INC
Address	WESTERVILLE, OH 43082

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 2, 2035

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	8550 GARNET DR, DAYTON, OH 45458-3205
Document Number	0000052929
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	WIN TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8550 GARNET DR CENTERVILLE OH 454583205, CENTERVILLE, OH 45458-3205

Mortgage

Document Number	0000052929
Date	Sep 26, 2019
Instrument	52929

Lender

Name	FIRST OHIO HM FIN INC
Address	WESTERVILLE, OH 43082

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 25, 2034

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	8550 GARNET DR, DAYTON, OH 45458-3205
Document Number	0000028735
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8550 GARNET DR DAYTON OH 454583205, DAYTON, OH 45458-3205

Mortgage

Document Number	0000028735
Date	May 17, 2018
Instrument	28735

Lender

Name	DAY AIR CU
Type	Credit Union
Address	KETTERING, OH 45429

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	Washington Township
Unified School District	Centerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$112,020 Land $18,890 Building $93,130
2024	$7,498.00 (+8.65%)
2023	$6,901.00 (+12.16%)	$112,020 (+41.8%) Land $18,890 Building $93,130	$320,050 Land $53,960 Building $266,090
2022	$6,153.00	$79,000 Land $13,300 Building $65,700
2020			$225,720 Land $38,000 Building $187,720

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8550 Garnet Dr in Zone X, an area of minimal flood risk.

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

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

The area around 8550 Garnet Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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