970 Gardner Rd, Dayton, OH 45429 Property Records

Montgomery County property record for 970 Gardner Rd, Dayton, OH 45429

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 1955
Lot Size	0.193 acres (8,425 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Oct 2024)
Tax Bill	$4,821 (2024)
Deeds & Mortgages	Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N64 01315 0024`

Property Details

APN / Parcel Number

Primary APN	`N64 01315 0024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,466 sqft Living Area
1st Floor Area	962 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	8,425 sqft (0.193 acres)
Lot Dimensions	108 ft deep x 78 ft wide
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	970 GARDNER RD
City	DAYTON
State	OH
Zip	45429-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	62 C W ZIMMERMAN
Legal Subdivision	ZIMMERMAN
Legal Lot Number	24
Jurisdiction	MONTGOMERY OH
Township / Civil Division	KETTERING
Census Block Group	2
Census Block	2006
Census Tract	20700

Owner

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
Co-owner	Co-owner on Record
Mailing Address	970 GARDNER RD, DAYTON, OH 45429-4551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2024 · Amount on Record
Deed Sale	Oct 11, 2024 · Amount on Record
Prior Sale	May 11, 2015 · Amount on Record
Deed Document Number	2024-00054484
Record Updated	Jun 8, 2026

October 2024: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Oct 11, 2024
Property Address	970 GARDNER RD, DAYTON, OH 45429-4551
Document Number	0000054484
Map Reference	MB DD PG 79
Instrument Date	Sep 25, 2024
Instrument	2024-00054484
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	FIRST OHIO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Joint Tenants with Right of Survivorship
Address	970 GARDNER RD, KETTERING, OH 45429-4551

Mortgage

Document Number	0000054485
Date	Oct 11, 2024
Instrument	2024-00054485

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

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		$75,730 (-) Land $14,490 Building $61,240
2024	$4,821.00 (-2.8%)
2023	$4,960.00 (+8.16%)	$75,730 (+37.82%) Land $14,490 Building $61,240	$216,370 (+37.82%) Land $41,410 Building $174,960
2022	$4,586.00	$54,950 Land $10,500 Building $44,450
2020			$156,990 Land $30,000 Building $126,990

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
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

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 561 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	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

May also be available: T-Mobile.

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