Montgomery County property record for 965 Gardner Rd, Dayton, OH 45429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,508 sqft · built 1954 |
| Lot Size | 0.187 acres (8,189 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (May 2015) |
| Tax Bill | $4,420 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | N64 01315 0054 |
| Primary APN | N64 01315 0054 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 8,189 sqft (0.187 acres) |
| Lot Dimensions | 117 ft deep x 70 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 51 sqft |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 965 GARDNER RD |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45429-4520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92 C W ZIMMERMAN 2 |
| Legal Subdivision | ZIMMERMAN |
| Legal Lot Number | 54 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | KETTERING |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20700 |
Source: Montgomery County records, as of January 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 965 GARDNER RD, DAYTON, OH 45429-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2015 · Amount on Record |
| Deed Sale | May 6, 2015 · Amount on Record |
| Prior Sale | Apr 7, 2005 |
| Deed Document Number | 2015-00023258 |
| Record Updated | Jun 8, 2026 |
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 | $69,400 (-) Land $14,300 Building $55,100 | ||
| 2024 | $4,420.00 (+2.74%) | ||
| 2023 | $4,302.00 (+8.97%) | $69,400 (+37.84%) Land $14,300 Building $55,100 | $198,290 (+37.83%) Land $40,870 Building $157,420 |
| 2022 | $3,948.00 | $50,350 Land $10,360 Building $39,990 | |
| 2020 | $143,870 Land $29,610 Building $114,260 |
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.
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.
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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