9178 Clyo Rd, Dayton, OH 45458 Property Records

Montgomery County property record for 9178 Clyo Rd, Dayton, OH 45458

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,578 sqft · built 1980
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,294 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O67-03807-0008`

Property Details

APN / Parcel Number

Primary APN	`O67-03807-0008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,578 sqft Living Area
Gross Area	3,228 sqft
1st Floor Area	1,668 sqft
Basement Area	858 sqft
Finished Basement	858 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	39,204 sqft (0.9 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	186 sqft
Deck Area	120 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	9178 CLYO RD
City	DAYTON
State	OH
Zip	45458-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-3-23
Legal Subdivision	MRS
Legal Lot Number	8
Jurisdiction	MONTGOMERY OH
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3003
Census Tract	40306

Owner

Source: Montgomery County records, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9178 CLYO RD, DAYTON, OH 45458-9102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 13, 2021	Survivorship Deed, Transfer · VA Mortgage NAVY FCU
Jan 4, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021
Deed Sale	Dec 13, 2021
Prior Sale	Jan 4, 2018 · Amount on Record
Deed Document Number	202193307
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Property Address	9178 CLYO RD, DAYTON, OH 45458-9102
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068035
Date	Oct 31, 2022
Instrument	2022-00068035

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2051

December 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Dec 13, 2021
Property Address	9178 CLYO RD, DAYTON, OH 45458-9102
Document Number	0000093307
Instrument Date	Oct 26, 2021
Instrument	2021-00093307
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	9178 CLYO RD, DAYTON, OH 45458-9102

Mortgage

Document Number	0000093308
Date	Dec 13, 2021
Instrument	2021-00093308

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Jan 4, 2018
Property Address	9178 CLYO RD, DAYTON, OH 45458-9102
Document Number	0000000797
Instrument Date	Dec 29, 2017
Instrument	797
Transaction Type	Transfer
Record Updated	Jan 17, 2018
Title Company	PERFORMANCE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$579.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9178 CLYO RD CENTERVILLE OH 454589102, CENTERVILLE, OH 45458-9102

Mortgage

Document Number	798
Date	Jan 4, 2018
Instrument	798

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 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		$108,770 (-) Land $27,690 Building $81,080	$310,780 (-) Land $79,120 Building $231,660
2024	$7,294.00 (+8.83%)
2023	$6,702.00 (+16.8%)	$108,770 (+47.68%) Land $27,690 Building $81,080	$310,780 (+47.68%) Land $79,120 Building $231,660
2022	$5,738.00	$73,650 Land $18,710 Building $54,940
2020			$210,440 Land $53,460 Building $156,980

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.

Flood

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	1 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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	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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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