Find the Assessment, Read the Tax Record, Know the Next Move
Search Montgomery County property assessments by street address, owner name or parcel ID, then use the record to understand appraised value, 35% assessed value, tax district, land and building characteristics, sales, payments and deed-reference clues.
August 2026 is unusually important because the county’s full reappraisal is active now. Tentative 2026 values are available, informal reviews are being held through the end of August, and those new values are scheduled to affect property-tax bills paid in 2027—not the tax bills paid during calendar year 2026.
Quick answer: start with MCRealEstate
Use the official MCRealEstate system for assessment and parcel records. Choose Address, Owner, Parcel or Advanced Search, use the least complicated input that identifies the property, open the correct parcel and verify the physical address before relying on values or tax information.
Montgomery County assessment facts
Choose the exact property task
Do not use the same system for every assessment, payment, deed or appeal question.
Search by address, owner or parcel ID without over-filtering
- Enter the house number when known.
- Enter only the main street name.
- Do not add N, S, E or W initially.
- Do not add Street, Road, Avenue or Drive.
- Use * as a wildcard when spelling is uncertain.
- Try numeric and written versions such as 3rd / Third.
- Use LastName FirstName format.
- Start with the surname alone when unsure.
- Add first name or initial to narrow results.
- Use a distinctive word for an LLC or corporation.
- Try trust, estate or former-owner names.
- Use wildcard searching for partial names.
- Use the parcel ID from a tax bill, deed or prior record.
- Montgomery County parcel IDs begin with a capital letter.
- The official example is A01 00107 0001.
- Do not use hyphens.
- You can enter all or part of the identifier.
- Verify the physical address after opening the result.
Open the correct record in six steps
When Advanced Search is better
Your 2026 tentative value is actionable right now
Montgomery County is conducting its required full property reappraisal in 2026. The Auditor says values are being adjusted using individual property characteristics and recent valid sales. Tentative-value notices were mailed in July and informal review meetings are being held during July and August.
Notices mailed to property owners.
Current opportunity to discuss the tentative value.
Final values scheduled for submission to the Ohio Department of Taxation.
The new values are scheduled to affect property-tax bills paid in 2027.
Board of Revision filing opportunity for final values.
The tentative 2026 reappraisal values do not affect taxes paid in calendar year 2026.
What to do if the tentative value looks wrong
Appraised value and assessed value are not the same number
Ohio’s 35% relationship
Montgomery County’s Treasurer explains that Ohio real property taxes are levied against assessed—or taxable—value equal to 35% of the appraised value.
If the appraised value were $250,000, the 35% assessed value would be $87,500 before tax rates, reduction factors, credits and special assessments are applied.
Know what each value and tax field is actually telling you
Field |
What it means |
What to check |
Best office for a problem |
|---|---|---|---|
Parcel ID |
Primary identifier used across the county’s property systems. |
Match it to the physical property before paying or filing. |
Auditor |
Owner |
Current ownership display in the Auditor record. |
Recent transfers may require Recorder verification. |
Auditor / Recorder |
Appraised value |
Market value assigned for tax purposes. |
Land, improvements, characteristics, recent sales and 2026 tentative value. |
Auditor |
Assessed value |
Generally 35% of appraised value. |
Do not confuse it with the tax amount due. |
Auditor |
Tax district |
Combination of taxing jurisdictions and levies applying to the parcel. |
Use the same district when interpreting rates or comparing bills. |
Auditor |
Gross tax rate |
Total voted and unvoted millage before applicable reduction effects. |
Do not treat gross millage as the only number controlling the bill. |
Auditor |
Effective tax rate |
Rate after applicable reduction-factor effects. |
Different property classes and districts can differ. |
Auditor |
Homestead |
Reduction for qualifying owner-occupants who meet program rules. |
Current eligibility, income rule and application status. |
Auditor Homestead |
CAUV |
Agricultural-use valuation for qualifying farmland. |
Qualifying acres, farm income, annual renewal and homesite/building exclusion. |
Auditor CAUV |
Special assessment |
A separate charge that may appear on the tax account. |
Identify the assessment source before assuming it is ordinary millage. |
Treasurer / responsible agency |
Payment history |
Tax-payment and posting history for the parcel. |
Use the Treasurer for the live payment status. |
Treasurer |
Deed reference |
Recording clue tied to a transfer or ownership document. |
Open the Recorder RISS system for the recorded instrument. |
Recorder |
What to save from the record
Both current 2026 real-estate tax installments are now past due dates
The Treasurer’s current FAQ lists this as the first-half due date.
The Treasurer’s live FAQ currently lists this as the second-half due date.
Do not rely on an old bill amount after the deadline.
If your 2026 tax payment is unresolved
Search the tax account before choosing a payment method
Use a Montgomery County parcel ID such as A01 00107 0001.
All parcel numbers begin with a capital letter.
Use Last Name First Name format.
Example: Smith John.
Enter street number plus street name.
Do not enter street direction or suffix.
Current electronic-payment fees
Payment choices
Method |
How it works |
Important detail |
|---|---|---|
Online |
Point and Pay processor. |
Verify parcel and balance before submitting. |
In person |
Treasurer office, Monday–Friday, 8 a.m.–4 p.m. |
Cash, personal check, cashier’s check, money order and cards are listed; card fees apply. |
Mail |
Send payment to John McManus, Treasurer, 451 W Third Street, Dayton, OH 45422. |
Do not mail cash; include the payment coupon. |
Drop box |
West side of the County Administration Building on Vista View Drive. |
Designed for convenient vehicle access. |
Automated phone |
Point and Pay at 833-819-5111. |
The Treasurer does not accept card information directly over the office phone. |
Monthly prepayment |
Available to qualifying taxpayers whose current taxes are paid. |
Application must be submitted at least 60 days before the tax due date. |
Delinquency plan |
Monthly contract for eligible past-due accounts. |
Call 937-225-4010, option 2; missed plan payments can void the agreement. |
Assessment, payment, deeds and appeals belong to different offices
Values
Homestead
CAUV
Payment
Delinquency
Prepay
Mortgage
Lien
Document
Tax map
Spatial context
Layers
Complaint
Evidence
Hearing
Your question |
Use |
Phone |
Important limit |
|---|---|---|---|
What is my property assessment? |
Auditor / MCRealEstate |
937-225-4326 |
Assessment is not the live amount you owe. |
I disagree with the tentative 2026 value. |
2026 Informal Review |
937-224-8927 |
This is an informal reappraisal review, not the 2027 formal BOR filing. |
How much tax is due today? |
Treasurer |
937-225-4010 |
Use the live tax account after a deadline. |
Who legally acquired the property? |
Recorder / RISS |
937-225-4275 |
Auditor ownership display is not a title opinion. |
Where is the parcel located? |
Auditor GIS |
937-225-4596 |
Online GIS lines are not a professional boundary survey. |
How do I formally challenge final value? |
Board of Revision |
937-496-6856 |
BOR changes value, not tax rates or the amount directly. |
Do I qualify for Homestead? |
Auditor Homestead Department |
937-225-4341 |
Age/disability, residence and current income rules apply. |
Does farmland qualify for CAUV? |
Auditor CAUV |
937-496-3281 |
Buildings and the minimum one-acre homesite are not reduced by CAUV. |
Use the parcel map for context—not as a survey
“I have parcel ID [number]. Which online map or layer should I use to understand [parcel context / tax map / nearby parcels], and what should I verify outside GIS before relying on it?”
Use RISS when the assessment record becomes a title-document question
The Auditor record can give you an ownership or deed-reference clue, but the Montgomery County Recorder maintains the recorded documents involving land ownership and encumbrances. Use the Recorder’s Information Search System (RISS) for deed, mortgage, lien, release, easement and other recorded-document research.
Lori Kennedy
451 W Third St., 5th Floor
Dayton, OH 45422
Office: Monday–Friday, 8 a.m.–5 p.m.
Document recording ends at 4 p.m.
Recorder fees useful for document research
The formal Board of Revision portal is closed now—but reopens January 1, 2027
Evidence that addresses value
Check credits and valuation programs before assuming the record is complete
Program |
What it can do |
Key requirement |
Action |
|---|---|---|---|
Homestead Exemption |
Reduces a portion of property taxes for qualifying owner-occupants. |
Age, disability or qualifying surviving-spouse category plus residence/income rules where applicable. |
Apply through Auditor; general deadline shown as Dec. 31. |
Owner Occupancy Credit |
2.5% reduction credit on qualifying levies/property taxes for a primary residence. |
Qualifying owner-occupied primary residence. |
Review Auditor tax-reduction instructions. |
CAUV |
Values qualifying commercial farmland using agricultural-use methodology. |
10-acre route or qualifying income route for smaller tracts. |
Initial application / annual renewal through Auditor. |
Damaged Property |
Possible taxable-value reduction proportional to qualifying structural damage. |
Documented damage and applicable filing requirements. |
Preserve photos, estimates, insurance records and loss date. |
Homestead: current eligibility details
Applicants may qualify by turning 65 by December 31 of the application year or by meeting permanent-and-total-disability requirements.
The applicant must own and occupy the home as the primary residence under the program’s January 1 rule.
For current applications the official page lists 2025 Ohio MAGI of no more than $41,000, subject to applicable exceptions.
CAUV qualification fork
Qualifying farmland of at least ten acres devoted to commercial agricultural use may use the acreage qualification route.
Smaller tracts may qualify when average yearly gross farm income for the previous three years is at least $2,500 under the applicable rules.
Why a Montgomery County property or assessment may not appear
Rental registration is tied to the parcel record too
Ohio requires residential rental-property owners to register qualifying rental properties with the Montgomery County Auditor. The county directs owners to obtain the parcel ID from the real-estate property record and keep rental registration information current.
Bring the parcel ID and contact the office that controls the next step
Office |
Best for |
Phone |
Location / hours |
|---|---|---|---|
Auditor |
Property search, assessments, appraised value, tax calculation, Homestead, CAUV and other reductions. |
451 W Third St., Dayton Mon–Fri, 8 a.m.–5 p.m. |
|
2026 Value Hotline |
Tentative reappraisal value and informal-review scheduling. |
Informal review by Zoom or telephone. |
|
Treasurer |
Live tax balance, payments, posting, mailing address, prepayment and delinquency. |
451 W Third St., Dayton Mon–Fri, 8 a.m.–4 p.m. |
|
Recorder |
Deeds, mortgages, liens, easements, copies and recorded-document research. |
451 W Third St., 5th Floor Office 8–5; recording ends 4 p.m. |
|
GIS |
Auditor parcel map, spatial context and tax-mapping questions. |
451 W Third St., 3rd Floor |
|
Board of Revision |
Formal fair-market-value complaints. |
451 W Third St., 3rd Floor Mon–Fri, 8 a.m.–5 p.m. |
|
Homestead |
Senior, disability and qualifying surviving-spouse reduction questions. |
Montgomery County Auditor |
|
CAUV |
Agricultural-use eligibility, initial filing and renewal. |
Montgomery County Auditor |
Prepare these details before calling
Use a related guide only when it solves the next search problem
Use the deeper property-search guide when your primary task is owner, parcel, deed-reference or GIS lookup rather than assessment interpretation.
Montgomery County Auditor Property SearchUseful for properties east of Montgomery County where a mailing city or Dayton-area location creates county confusion.
Greene County Ohio Auditor Property SearchUseful for properties toward the northeastern Montgomery County boundary when the parcel cannot be located locally.
Clark County Auditor Property SearchKnow when an online tax assessment is enough—and when it is not
- Finding a parcel ID
- Reviewing owner display
- Checking appraised and assessed values
- Reviewing land and building characteristics
- Checking sales and tax information
- Locating GIS maps
- Preparing a value-review question
- Legal title and lien priority
- Exact surveyed boundaries
- Easements and encroachments
- Zoning or building approval
- Formal appraisal conclusions
- Purchase, lending or litigation decisions
- Current payoff after tax delinquency
Montgomery County tax assessment FAQs
Where do I search Montgomery County Ohio tax assessments?
Use MCRealEstate.org, the Montgomery County Auditor-connected property-record system powered by iasWorld Public Access. It supports Address, Owner, Parcel and Advanced searches and provides read-only assessment and tax-record information.
How should I enter an address in the Montgomery County property search?
Enter the house number when known and the main street name. The official Address Search says not to add the street direction or suffix. If the search fails, try a partial street name or the * wildcard.
How do I search Montgomery County property by owner name?
Use LastName FirstName format. Start with the surname alone when needed, then add a first name or initial. For trusts, estates or businesses, try the distinctive part of the recorded ownership name.
How do I search using a Montgomery County parcel ID?
Use the Parcel Search and enter all or part of the parcel number without hyphens. Montgomery County parcel numbers begin with a capital letter; the county’s example is A01 00107 0001. After opening the result, verify the physical property address.
What does 35% assessed value mean in Montgomery County?
Ohio real property is generally assessed for taxation at 35% of its appraised market value. For example, a $250,000 appraised value corresponds to $87,500 of assessed value before tax rates, reduction factors, credits and special assessments are applied.
When will Montgomery County’s 2026 reappraisal affect my taxes?
The county says the new values take effect at the beginning of 2027 and affect property-tax bills paid in 2027. The tentative 2026 reappraisal values do not change the property taxes paid during calendar year 2026.
What can I do right now if I disagree with my tentative 2026 value?
Montgomery County is holding informal review meetings from mid-July through the end of August 2026 by Zoom or telephone. Prepare evidence such as a recent open-market sale, recent appraisal, comparable sales, condition photos or repair estimates and call 937-224-8927 or use the official informal-review page.
When were Montgomery County property taxes due in 2026?
The Treasurer’s current live FAQ lists February 13, 2026 for the first half and July 24, 2026 for the second half. An older county timeline PDF still shows July 17 for the second half, so use the live Treasurer account for current balance and account status. Both dates have passed.
Where do I check my current Montgomery County property-tax balance?
Use the Montgomery County Treasurer Real Estate Tax Information System. Select a tax year and complete only one search field for best results: parcel ID, owner name or property address. When the result appears, click the Parcel ID to view the detailed account.
How do I formally appeal a Montgomery County property value?
Use the Montgomery County Board of Revision. The filing period is January 1 through March 31, and the online complaint portal states it will reopen January 1, 2027. The BOR can change property value but cannot change tax rates or simply reduce a tax bill.

Khushboo Bobade is the editor and digital publisher of CountyAuditors.org. She oversees the research and editorial process for the website, ensuring that information about county auditor offices, property records, and government resources is accurate, verified, and easy for visitors to understand.
10 Ohio Property Tax Calculators & Auditor Tools
Built specifically for Ohio's 35% assessment ratio, current DTE forms, and 2026 Homestead, Owner-Occupancy, CAUV, Conveyance Fee, and Board of Revision rules. Every number reflects verified Ohio Department of Taxation amounts.
Annual Tax Bill Estimator
OHIOApplies Ohio's 35% assessment ratio plus your county's effective millage tier — the actual math your auditor uses.
Homestead Reduction Calculator
DTE 105A2026 Ohio Homestead: $29,000 general or $58,000 enhanced (100% disabled vet, KIA spouse). OAGI under $41,000 required for non-veteran applicants.
Owner-Occupancy & Non-Business Credits
DTE 105CEvery Ohio owner-occupied home qualifies for the 2.5% Owner-Occupancy Credit plus the automatic 10% Non-Business Credit. Most owners don't realize these stack.
Conveyance Fee Calculator
ORC 322When you sell or transfer Ohio property, the auditor collects $1 state + up to $3 county per $1,000, plus $0.50 per parcel. Counties choose their rate.
CAUV Agricultural Savings
DTE 109Ohio's Current Agricultural Use Value cuts taxable value dramatically for farmland (10+ acres, or smaller with $2,500+ annual gross income).
Mill Rate Converter
Ohio tax rates appear three ways on auditor sites: mills, percent, or dollars per $1,000. Convert between them instantly.
Parcel Number Cleaner
Ohio's 88 counties each format parcels differently — Franklin uses 010-123456-00, Cuyahoga uses 001-23-456, Hamilton uses 100-0001-0001-00. Auto-detects.
35% Ratio Sanity Check
Ohio law sets taxable value at 35% of market value. If yours is significantly higher, you're a strong BOR appeal candidate.
BOR Appeal Savings
DTE 1A successful Board of Revision complaint typically cuts your value 10–20%. Filing is free and stays in effect until the next reappraisal.
BOR Deadline Countdown
MAR 31Ohio's statutory Board of Revision filing deadline is March 31 for the prior tax year. Miss it and you wait until next year — no extensions.
Verify with the official Ohio source
These calculators use the verified 2026 Ohio Department of Taxation amounts and statutory rules. For your exact bill, exemption status, and county-specific deadlines, always confirm with your county auditor and the Ohio Revised Code:
Estimates use Ohio's 35% statutory assessment ratio and effective tax rate tiers averaged across major Ohio counties. Your actual bill depends on local school levies, voted millage, inside vs. outside millage splits, House Bill 920 reduction factors (HB 920), and special assessments. The 2026 Homestead general amount ($29,000) and enhanced amount ($58,000) reflect HB 187 inflation indexing — your county auditor's office may show slightly different transitional figures. Nothing here is legal or tax advice. CountyAuditors.org is an independent informational directory, not affiliated with any county government.