Montgomery County property record for 960 Gardner Rd, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,066 sqft · built 1955 |
| Lot Size | 0.193 acres (8,425 sqft) |
| Owner | Owner Name on File |
| Last Sale | $112,000 (Feb 2014) |
| Tax Bill | $4,036 (2024) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 01315 0025 |
| Primary APN | N64 01315 0025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,066 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1962 |
| 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 | 28 sqft |
| Patio Area | 288 sqft |
| Canopy | 288 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 960 GARDNER RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-4550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 63 C W ZIMMERMAN |
| Legal Subdivision | ZIMMERMAN |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20700 |
The current owner of 960 Gardner Rd bought it in February 2014.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 1106 CHEVY LN, PIQUA, OH 45356-8558 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2014 · Amount on File |
| Deed Sale | Feb 26, 2014 · Amount on File |
| Deed Document Number | 0000009971 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 960 GARDNER RD, DAYTON, OH 45429-4550 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | MIDWEST OHIO TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 3151 E CENTERVILLE RD, SPRING VALLEY, OH 45370-7706 |
| Document Number | 0000050172 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 2022-00050172 |
| Name | NEW CARLISLE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | NEW CARLISLE, OH 45344 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2042 |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | Kettering City |
| Unified School District | Kettering City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $62,070 Land $14,490 Building $47,580 | ||
| 2024 | $4,036.00 (-3.19%) | ||
| 2023 | $4,169.00 (+8.17%) | $62,070 (+37.84%) Land $14,490 Building $47,580 | $177,340 Land $41,410 Building $135,930 |
| 2022 | $3,854.00 | $45,030 Land $10,500 Building $34,530 | |
| 2020 | $128,660 Land $30,000 Building $98,660 |
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 960 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.
The area around 960 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.
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 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 |
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