Frequently Asked Questions

Still have questions? Need clarification? You may find your answers here. The information is organized in the following categories:


General Information


Why was the Montgomery County Land Bank established?

The Montgomery County Board of County Commissioners created the Montgomery County Land Reutilization Corporation, also known as the Land Bank, at the recommendation of the County Treasurer, in accordance with Section 1724 of the Ohio Revised Code. The organization is the County’s response to the housing crisis and the growing number of tax foreclosures and abandoned, vacant properties in local communities. The Land Bank’s mission is “To reposition distressed real estate to support Montgomery County’s communities in building quality of life and vibrant neighborhoods, one property at a time.”

What is the history of the Montgomery County Land Bank?

The Montgomery County Land Bank was launched in 2011 with the County Treasurer serving as the Land Bank chair and interim executive director. Startup funding was allocated from the Treasurer’s Office Delinquent Tax and Assessment Collection.

In November 2011, the Board of County Commissioners approved the allocation of 5 percent of the County’s Delinquent Tax and Assessment Collection to the Land Bank. These funds are used to operate the organization and its programs. After securing this stable funding source, the the Land Bank Board of Directors hired its first full-time executive director in November 2013.

How is the Land Bank governed?

The Land Bank is governed by a Board of Directors, which is appointed by the Board of County Commissioners. The Ohio Revised Code establishes the composition of the board, stipulating the appointment of five, seven or nine members, including the following:

  • County treasurer
  • At least two of the members of the board of county commissioners
  • One representative of the largest municipal corporation
  • One representative of a township with a population of at least ten thousand in the unincorporated area of the township
  • One individual with private sector or nonprofit experience in rehabilitation or real estate acquisitions.

Current Board members include County Treasurer John McManus; Montgomery County Commissioner Carolyn Rice; Montgomery County Commissioner Judy Dodge; City of Dayton Director of Planning & Community Development Todd Kinskey; Washington Township Trustee President Sharon Lowry; HER Realtor and Community Development Specialist Sheila Crane; and Berkshire Hathaway HomeServices Professional Realty Director of Market Development Brian Sharp.

Citizen and Investor Programs


If I’m a citizen or investor, what qualifications must I meet to participate in Land Bank programs?

A citizen or investor must meet these qualifications:

  • Current on property taxes
  • No nuisance citations/conditions for the last two years on any property owned
  • No tax delinquencies during the previous two years on any property owned (includes corporate members)
  • If project is a rehab or new development:
    • Financing to complete the project
    • Feasible project development plan and timeline
    • Proof of prior work completed (if applicable)
    • Letters of support (at Land Bank’s request)
    • Additional information on a case-by-case basis
  • For commercial, industrial and new development projects, further financing and development plans may be required


DIY Renovation Program

What are the steps involved in the DIY Renovation Program?

1. Applicant makes offer and submits Property Purchaser Application
2. Land Bank accepts offer pending verification of applicant’s qualifications and receipt of the following documents:
    a. Proof of funds for the purchase and rehab of the property
    b. Social Security number of the applicant
    c. Additional documentation as needed
3. Application information verified
    a. Absence of code violations
    b. Absence of tax delinquencies
    c. Absence of foreclosure actions
    d. Absence of bankruptcies
    e. Residency status
    f. Renovation experience
    g. Financial ability
4. Qualified applicant notified and contract signing date scheduled
5. Contract signing date:
    a. Purchaser and the Land Bank sign DIY Renovation Sale and Purchase Agreement
    b. Purchaser pays purchase price, title reimbursement, and recording fees
    c. Purchaser receives possession of property
6. Purchaser begins renovation process as agreed
7. Purchaser notifies the Land Bank of work completion
8. Property inspection
9. Deed transferred at the closing

Complete program details and requirements are available when you download the DIY Renovation Program application form and instructions from the Resources page on this website.

May I see DIY properties before I submit an offer?

Yes. Information about viewings is provided in the details of the property offering. For specific information, check the Land Bank’s listing of available properties on this website.

How much time do I have to complete the improvements on a DIY Renovation program property?

You have six months to complete the improvements from the time the DIY Renovation Sale and Purchase Agreement has been executed

When will I receive the property deed?

The Land Bank will transfer the deed after the final inspection of the renovations to confirm that the agreed-upon renovations have been completed and closing costs have been paid.

Since I don’t get the deed until after renovations, how can I finance the improvements?

Most of our purchasers self-finance, obtain a personal loan or equity line of credit using other property they own.

Is there a limit to the number of properties I may bid on through the program?

There is no limit on the number of properties you may acquire through this program as long as you continue to meet the qualification criteria and fulfill the terms of the sale and purchase agreement.

How can I learn about new properties as they become available?

Sign up for the Land Bank’s emails about new properties, regularly check the Land Bank-owned property listing on this website, or call the Land Bank at (937) 531-6921.

How does the Land Bank acquire properties for the DIY Renovation Program?

DIY Renovation properties come to the Land Bank in various ways, including tax foreclosure, donations by lenders and private citizens, or acquisition of REO property through government programs, local governments, individual citizens and banks. The Land Bank inspects each property to ensure its reuse potential. If it meets established standards, the Land Bank acquires the deed and offers the property for bid to citizens and investors interested in rehabbing it through the DIY Renovation Program.

Does the Land Bank’s property listing include REO properties and HUD homes for sale?

The property listing on this website may include some types of REO homes or HUD foreclosed homes, but all are under the ownership of the Land Bank.


Demolition Program

A house by me was just torn down. Can I own the lot?

If the Land Bank owns the lot and has demoed the structure, we may be able to make the lot available for purchase. Discover who owns the property by viewing the Montgomery County Auditor’s website.  If the Montgomery County Land Reutilization Corporation (“The Land Bank”) owns the property, call 937-531-6921 or email about the property in which you have interested.

If the Land Bank IS NOT the property owner, the lot may be able to be acquired through other methods, such as Depositor Tax Foreclosure.  Discover who owns the property by viewing the Montgomery County Auditor’s website.  If you wish to acquire ownership of this property, contact the Montgomery County Treasurer’s office at 937-225-4010.

How do you determine which houses are demolished?

The Land Bank takes our direction from each jurisdiction in the County.  Those jurisdictions tell the Land Bank which properties they have identified as nuisance or dangerous properties and should be added to the demo program.

If the Land Bank owns a lot and we are able to sell it, what are the eligibility requirements?

In order to apply for a lot through this program, you must meet the following qualifications:

  • You must live or own property in Ohio.
  • Any real estate you own must have the real estate taxes paid in full for at least the last two (2) years. Being on a Payment Plan means you are not current on your taxes and is disqualifying.
  • ALL taxes must be current, including payroll, local, state, and federal taxes.
  • In addition to real estate taxes, local, state and federal taxes must be paid current.
  • You cannot have lost title or had foreclosure actions filed against any property you own, or have been part interest through bankruptcy within the past two years.
  • Any property you own cannot have had code violations within the past two years, nor a history of code violations on any properties you have previously owned.
  • None of the properties you own or have owned can have a history of being a site for criminal activity.
  • Application for adjacent property owner must be in the same name as property owned.

Please note that there is a preference given to adjacent eligible property owners. The jurisdiction must approve the transfer, and there will be an application and affidavit to complete.

How do I get an application?

Contact us and we will confirm the lot is available before sending you an application. Call 937-531-6921 or email

If I had maintained the lot next door to me before the Land Bank acquired the property to tear it down, am I able to acquire the property for free after the Land Bank demolishes it?

While there once was a “Mow to Own” program, that program has not been active for decades.  NO, we cannot transfer the property to you for free because you have been mowing the grass at that property.


Donation Program

What is the process for donating a property to the Land Bank?

The first step to donate a property is to fill out the Donation Questionnaire Form. If the property meets the qualifications for donation, the Land Bank will contact you with instructions on how to transfer the deed to the Land Bank.

What conditions must be met for a property to be donated?

These conditions must be met for the Land Bank to accept a residential property donation:

  • Real estate taxes must be paid in full at the time of donation, unless the Land Bank approves the property for a Deed in Lieu of Foreclosure acquisition.
  • The title must be clean and marketable as verified by a title search.
  • The property may not have any judgements, liens or other encumbrances such as mortgages, unpaid utility bills, mechanic’s liens and state or federal income tax liens, among others.
  • The property cannot have open code violations, unless the Land Bank determines that demolition of the structure is necessary and funding is available.
  • The property must be free of environmental hazards.
Can the Land Bank decline a property donation?

Yes. The Land Bank reserves the right to deny any property donation.

Are there tax advantages to donating a property to the Land Bank?

A property donation to the Land Bank relieves the donor of a future tax burden and maintenance costs. Any other tax benefits should be addressed with your tax professional.

How does the Land Bank dispose of donated properties?

Donated properties may be included in the demolition program or offered for bid in the DIY Renovation Program, demolished or held for other community-based reasons.

Do I pay any fees to the Land Bank if I donate a property?

There is a $500 fee, to be paid when the Donation Questionnaire is submitted, for title work to be completed on the property.


Commercial Redevelopment Program

How do distressed commercial properties come to the Land Bank’s attention?

Distressed commercial and industrial properties typically are brought to the Land Bank’s attention by an investor interested in renovation or local government interested in positioning the property for redevelopment.

May I recommend a distressed commercial property to the Land Bank?

Yes. Individuals’ inquiries are the most common way in which distressed commercial properties come to the Land Bank’s attention.

How much time do I have to complete a commercial renovation?

The time allotted for a commercial renovation is negotiated between interested buyer and the Land Bank.

What are the investor qualifications for the Commercial Redevelopment Program?

To qualify for the Commercial Redevelopment Program, an investor must

  • Possess a clean record as a responsible property owner
  • Have a redevelopment plan for the property
  • Demonstrate the financial capacity to implement the plan
What are the costs?

There is a non-refundable fee of $2,000 per property to undertake the due diligence associated with the sale agreement. If the applicant qualifies, the terms for the sale of the property will be negotiated, including the remuneration for the property.

How can I find the properties available through the Commercial Redevelopment program?

Potential investors can find tax-delinquent commercial and industrial properties listed on the Montgomery County Treasurer’s website.

May I inspect the property before participating in the program?

Prior to foreclosure, neither the Land Bank nor the investor has the legal right to enter the property unless permission is granted by the owner.

Must I commit to an end use for the property from the Commercial Redevelopment Program?

An end use must be part of the redevelopment plan proposed to the Land Bank for any property.

Can I acquire apartment buildings through this program?

Multifamily buildings with more than four units are eligible under this program.

Local Government Programs


Planning Grant Program

What activities may my local government undertake with the Planning Grant?

The Planning Grant provides financial resources for jurisdictions to hire professional assistance to create a plan for neighborhood redevelopment in strategic target areas. Specific activities related to the planning process may include

  • Highest and best-use analysis
  • Strategic planning for a target area
  • Market analysis
  • Land use concept plans and renderings
  • Policy guidelines for jurisdiction’s future decisions on investment and zoning
Is there a time limit for completion of the plan?

The plan must be completed within one year of the grant award, unless an alternate deadline is agreed up by the Land Bank and the jurisdiction.

What are the reporting requirements?

The Land Bank requires the jurisdiction to provide, for five years following the grant award, an annual written status report on the plan’s development and/or implementation. In addition, the jurisdiction must submit supporting documentation for purposes of reimbursement.

Must my local government hire an outside firm to support the planning process?

Yes. The Land Bank requires the hiring of a firm with professional planning credentials, if Planning Grant funds are used.

May my local government qualify for more than one planning grant if we have multiple areas to consider?

Yes, you are limited to one grant award per year unless approved by the Board of Directors. The program is also is dependent upon the availability of funds.


Land Banking Program

How does the Land Banking Program help my community?

Land banking supports community and economic development by strategically assembling and holding – tax-free – residential, commercial and industrial properties for future redevelopment. The property must be identified as part of a local redevelopment plan or similar effort.

What qualifications must my local government meet to participate in land banking?

The local government must have a plan, memorandum of understanding with the Land Bank and a negotiated set of business terms for this fee-based program.

Is there any fee for my local government to participate in the Land Banking Program?

The business terms, including fees, are negotiated and based upon the services provided to the property(s).


Community Residential Rehab Loan Program

Who can apply for the Community Residential Rehab Loan Program?

The Community Residential Rehab Loan Program provides loans exclusively to local governments that have signed a Memorandum of Understanding with the Land Bank and their not-for-profit corporations. It is not a consumer loan.

What is the cost of the loan?

There is a processing fee of $500, plus 1 percent of loan principle, payable at closing of the sale of the property.

What type of properties can I use the loan for?

The loan program is for distressed, single-family homes that are part of a larger neighborhood redevelopment plan. It is intended to help local governments transform these properties to encourage further investment and revitalization throughout entire neighborhoods.

How much may my local government borrow?

Loan amounts range from $10,000 to $50,000.

What are the repayment terms?

Loans must be repaid within two years of the signing of the agreement, or upon transfer of the property to a buyer, whichever comes first.

While the Montgomery County Land Bank staff continues to provide full time customer service to our customers,

IN PERSON MEETINGS with members of the Land Bank staff REQUIRE AN APPOINTMENT.