10786 E River Rd, Columbia Station, OH 44028 Property Records

Lorain County property record for 10786 E River Rd, Columbia Station, OH 44028

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1940
Lot Size	1.42 acres (62,291 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2021)
Tax Bill	$4,343 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-00-039-000-035`

Property Details

APN / Parcel Number

Primary APN	`12-00-039-000-035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
1st Floor Area	1,047 sqft
2nd Floor Area	616 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	62,291 sqft (1.42 acres)
Garage Type	Attached
Garage Area	571 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	10786 EAST RIVER RD
City	COLUMBIA STATION
State	OH
Zip	44028-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIFF SALE 11CV171356
Legal Subdivision	COLUMBIA TOWNSHIP
Legal Lot Number	22
Jurisdiction	LORAIN OH
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1027
Census Tract	90100

Owner

10786 E River Rd is owned and occupied by an individual who bought it in August 2021.

Source: Lorain County records, as of March 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10786 EAST RIVER RD, COLUMBIA STATION, OH 44028-9532
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 4, 2021	Survivorship Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2021 · Amount on File
Deed Sale	Aug 4, 2021 · Amount on File
Prior Sale	Dec 21, 2012 · Amount on File
Deed Document Number	2021005091
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	10786 E RIVER RD, COLUMBIA STATION, OH 44028-9532
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10786 EAST RIVER RD, COLUMBIA STATION, OH 44028-9532

Mortgage

Document Number	0000872880
Date	Apr 28, 2022
Instrument	2022-0872880

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 4, 2021
Property Address	10786 E RIVER RD, COLUMBIA STATION, OH 44028-9532
Document Number	0000832386
Instrument Date	Aug 2, 2021
Instrument	2021-0832386
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount 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	Right of Survivorship
Address	1786 EAST RIVER ROAD, COLUMBIA STATION, OH 44028

Tax Assessment & Valuation

The 2025 property tax bill for 10786 E River Rd was $4,343.

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Columbia Township
Unified School District	Columbia Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,343.00	$98,480 Land $26,870 Building $71,610	$281,380 Land $76,770 Building $204,610
2023	$3,439.00 (+2.5%)	$69,794 (+0.01%) Land $23,870 Building $45,924	$199,410 Land $68,200 Building $131,210
2022	$3,355.00	$69,790 Land $23,870 Building $45,920
2021			$199,410 Land $68,200 Building $131,210

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

FEMA maps place 10786 E River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2014–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2017 · rainfall accumulation

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

Wildfire risk around 10786 E River Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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