950 Gardner Rd, Dayton, OH 45429 Property Records

Montgomery County property record for 950 Gardner Rd, Dayton, OH 45429

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,066 sqft · built 1955
Lot Size	0.193 acres (8,425 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Sep 2018)
Tax Bill	$4,339 (2024)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N64 01315 0040`

Property Details

APN / Parcel Number

Primary APN	`N64 01315 0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,425 sqft (0.193 acres)
Lot Dimensions	108 ft deep x 78 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	152 sqft
Canopy	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	950 GARDNER RD
City	DAYTON
State	OH
Zip	45429-4550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	78 C W ZIMMERMAN
Legal Subdivision	ZIMMERMAN
Legal Lot Number	40
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	2
Census Block	2007
Census Tract	20700

Owner

950 Gardner Rd is owned and occupied by an individual who bought it in September 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	950 GARDNER RD, DAYTON, OH 45429-4550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Prior Sale	Nov 4, 2013 · Amount on File
Deed Document Number	2018-00053203
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 11, 2018
Property Address	950 GARDNER RD, DAYTON, OH 45429-4550
Document Number	0000053203
Instrument Date	Sep 6, 2018
Instrument	53203
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 GARDNER RD KETTERING OH 454294550, KETTERING, OH 45429-4550

Mortgage

Document Number	53204
Date	Sep 11, 2018
Instrument	53204

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 10, 2028

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Kettering City
Unified School District	Kettering City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$78,000 Land $14,490 Building $63,510
2024	$4,339.00 (-10.52%)
2023	$4,849.00 (+8.89%)	$78,000 (+37.81%) Land $14,490 Building $63,510	$222,880 Land $41,410 Building $181,470
2022	$4,453.00	$56,600 Land $10,500 Building $46,100
2020			$161,720 Land $30,000 Building $131,720

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

FEMA maps place 950 Gardner Rd 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
Community Rating System	Class 8 (10% premium discount)
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

The area around 950 Gardner Rd 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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20