Montgomery County property record for 8916 Emeraldgate Dr, Dayton, OH 45424
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,338 sqft · built 1989 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,000 (Jul 2017) |
| Tax Bill | $4,417 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | P70 02006 0027 |
| Primary APN | P70 02006 0027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,338 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 9,583 sqft |
| Lot Dimensions | 138 ft deep x 81 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 126 sqft |
| Patio Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 8916 EMERALDGATE DR |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45424-6425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT #15532 EDNA B HUBER PLAT #62 SEC 7 |
| Legal Subdivision | HUBER |
| Legal Lot Number | 15532 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | HUBER HEIGHTS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 100102 |
8916 Emeraldgate Dr is owned and occupied by an individual who bought it in July 2017.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| 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 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Mar 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Jul 31, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jul 27, 2017 | Loan Modification, Mortgage · Conventional with PMI CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on File |
| Deed Sale | Jul 31, 2017 · Amount on File |
| Prior Sale | Jun 22, 1998 · Amount on File |
| Deed Document Number | 201700044710 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Document Number | 0000018705 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 2024-00018705 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | 501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 334 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Document Number | 0000014428 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 2022-00014428 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 31, 2017 |
| Property Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Document Number | 0000044710 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 44710 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2017 |
| Title Company | HOME SERVICES TITLE LLC, HOME SVCS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $504.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8916 EMERALDGATE DR DAYTON OH 454246425, DAYTON, OH 45424-6425 |
| Document Number | 44711 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 44711 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 8916 EMERALDGATE DR, DAYTON, OH 45424-6425 |
| Document Number | 0000008833 |
| Instrument Date | Jul 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 8916 EMERALDGATE DR DAYTON OH 454246425, DAYTON, OH 45424-6425 |
| Document Number | 0000008833 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 8833 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2049 |
| Rate | 5% |
|---|
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Huber Heights City |
| Unified School District | Huber Heights City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,440 Land $14,910 Building $68,530 | ||
| 2024 | $4,417.00 (+3.56%) | ||
| 2023 | $4,265.00 (+11.44%) | $83,440 (+42.05%) Land $14,910 Building $68,530 | $238,410 Land $42,600 Building $195,810 |
| 2022 | $3,827.00 | $58,740 Land $10,500 Building $48,240 | |
| 2020 | $167,840 Land $30,000 Building $137,840 |
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 8916 Emeraldgate Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 21, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 8916 Emeraldgate 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUBER HEIGHTS PUBLIC WATER SYSTEM private · serves 43,439 people · EPA ID OH5703612 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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