Montgomery County property record for 857 Saint Simons Ln, Dayton, OH 45458
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,655 sqft · built 2006 |
| Lot Size | 0.666 acres (29,011 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $455,000 (Jul 2020) |
| Tax Bill | $14,447 (2024) |
| Deeds & Mortgages | Apr 2023 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O67 21524 0005 |
| Primary APN | O67 21524 0005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,655 sqft Living Area |
| 1st Floor Area | 2,655 sqft |
| Basement Area | 2,655 sqft |
| Finished Basement | 2,655 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 29,011 sqft (0.666 acres) |
| Garage Area | 826 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 39 sqft |
| Deck Area | 341 sqft |
| Patio Area | 178 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 857 SAINT SIMONS LN |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45458-2876 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5 PARAGON PLACE |
| Legal Subdivision | PARAGON PLACE |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 40406 |
857 Saint Simons Ln is owned and occupied by two individuals who bought it in July 2020.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 857 SAINT SIMONS LN, DAYTON, OH 45458-2876 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU |
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jul 31, 2020 | Warranty Deed, Transfer · Conventional with PMI RUOFF MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on File |
| Deed Sale | Jul 31, 2020 · Amount on File |
| Prior Sale | Mar 16, 2007 · Amount on File |
| Deed Document Number | 2020-00044057 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 857 SAINT SIMONS LN, DAYTON, OH 45458-2876 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10485 READING RD, CINCINNATI, OH 45241-2523 |
| Document Number | 0000018805 |
|---|---|
| Date | Apr 14, 2023 |
| Instrument | 202300018805 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 8, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 857 SAINT SIMONS LN, DAYTON, OH 45458-2876 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | UNKNOWN, INTA |
| Name | Verified Name |
|---|
| Document Number | 0000077965 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021-00077965 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 31, 2020 |
| Property Address | 857 SAINT SIMONS LN, DAYTON, OH 45458-2876 |
| Document Number | 0000044057 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 44057 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2020 |
| Title Company | PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 857 SAINT SIMONS LN DAYTON OH 454582876, DAYTON, OH 45458-2876 |
| Document Number | 44058 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 44058 |
| Name | RUOFF MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2050 |
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 | $215,010 Land $32,340 Building $182,670 | ||
| 2024 | $14,447.00 (+8.62%) | ||
| 2023 | $13,301.00 (+4.11%) | $215,010 (+31.65%) Land $32,340 Building $182,670 | $614,300 Land $92,400 Building $521,900 |
| 2022 | $12,776.00 | $163,320 Land $24,500 Building $138,820 | |
| 2020 | $466,640 Land $70,000 Building $396,640 |
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 857 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 857 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 94% of the US · lower than 74% 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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