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UCC fixture filing in Dayton, Ohio

A UCC fixture filing is a financing statement recorded in the land records for goods attached to the property, such as solar panels, HVAC systems or water heaters bought on credit. In Dayton, UCC fixture filings are recorded with the Montgomery County Recorder.

What it means for a buyer or bidder

A fixture filing can give a creditor rights in equipment attached to the house; it shows up as an encumbrance until it is terminated.

The Dayton report lists the documents recorded against the property in the county index; this document type is read where the index returns it.

Not covered: The Recorder's UCC (fixture filing) records, judgment liens (certificates of judgment filed with the Clerk of Courts), values and delinquent property taxes are not searched.

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