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Single Family ResidenceResidential
$433,643$188 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

3972 SADDLE RIDGE CIR

DAYTON, OH 45424
4
Beds
3 / 1
Baths
2,310 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$434K
$410K low$458K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,756 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$111,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$90,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$111,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$318,570

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyMontgomery
Lot (acres)The size of the land the home sits on, from county records.0.42
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 288 ft²Shed · 150 ft²Patio · 264 ft²Porch · 122 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Brantwood Elementary SchoolC
Elementary · Grades KG–4 · 1.2 mi
H
Walter E. Stebbins High SchoolC-
High · Grades 9–12 · 1.4 mi
M
Mad River Middle SchoolC+
Middle · Grades 7–8 · 1.7 mi

District: Mad River Local School District

Neighborhood · ZIP 45424These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.209
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.50,939
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,596 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,981
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,924
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3972 Saddle Ridge Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Dayton 45424
  • Costs more per square foot than 87% of homes in Dayton 45424
  • Bigger than 90% of homes in Dayton 45424
  • Has a bigger lot than 90% of homes in Dayton 45424
  • Newer than 91% of homes in Montgomery County

What homes are worth in Dayton 45424

Each bar is how many homes fall in that price range. The marker is this home.

This home
$96K$473K

This home is worth more than 97% of homes in Dayton 45424.

How it measures up in Dayton 45424

The dot is this home. The mark in the middle is the typical home in Dayton 45424.

Estimated value$433,643
CheaperTypical $218,260Pricier

Pricier than 97% of homes nearby

Price per ft²$188
CheaperTypical $148Pricier

Pricier than 87% of homes nearby

Living area2,310 ft²
SmallerTypical 1,462 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.42 ac
SmallerTypical 0.21 acBigger

Bigger than 90% of homes nearby

Year built1999
OlderTypical 1972Newer

Newer than 88% of homes nearby

How 3972 Saddle Ridge Cir ranks against every home in each area.
MeasureThis homeDayton 45424Montgomery County
Estimated valuepricier than$433,64397% of homes92% of homes
Price per ft²pricier than$18887% of homes81% of homes
Living areabigger than2,310 ft²90% of homes87% of homes
Lot sizebigger than0.42 ac90% of homes83% of homes
Year builtnewer than199988% of homes91% of homes

About 3972 Saddle Ridge Cir

How much is 3972 Saddle Ridge Cir, Dayton, OH worth?

The TopHap Estimate for 3972 Saddle Ridge Cir, Dayton, OH is $433,643 as of Aug 30, 2026. The likely range is $409,752 to $457,534. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3972 Saddle Ridge Cir, Dayton, OH last sell?

3972 Saddle Ridge Cir, Dayton, OH last sold on Oct 26, 2012, according to the county's recorded deed.

How big is 3972 Saddle Ridge Cir, Dayton, OH?

3972 Saddle Ridge Cir, Dayton, OH has 4 bedrooms, 3 bathrooms, 2,310 square feet of living space and a 0.42-acre lot.

When was 3972 Saddle Ridge Cir, Dayton, OH built?

3972 Saddle Ridge Cir, Dayton, OH was built in 1999, making it 27 years old. It is a colonial home. The building has 2 stories.

What schools serve 3972 Saddle Ridge Cir, Dayton, OH?

3972 Saddle Ridge Cir, Dayton, OH is assigned to Brantwood Elementary School (elementary), rated C; Walter E. Stebbins High School (high), rated C-; Mad River Middle School (middle), rated C+. All sit in Mad River Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3972 Saddle Ridge Cir, Dayton, OH compare to other homes in Dayton 45424?

Among the 18,559 homes in Dayton 45424, it is worth more than 97% of them ($433,643 against a typical $218,260), its price per square foot is higher than 87% of them ($188 against a typical $148), it is bigger than 90% of them (2,310 ft² against a typical 1,462 ft²), its lot is bigger than 90% of them (0.42 ac against a typical 0.21 ac) and it is newer than 88% of them (1999 against a typical 1972). Measured against all of Montgomery County, it is worth more than 92% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3972 Saddle Ridge Cir, Dayton, OH?

The 2024 property tax bill for 3972 Saddle Ridge Cir, Dayton, OH was $5,756. The county assessed it at $111,500.

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