Lake County property record for 10986 Spear Rd, Concord Township, OH 44077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,640 sqft · built 1992 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $304,000 (Jul 2022) |
| Tax Bill | $7,327 (2023) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-A-018-0-00-050-0 |
| Primary APN | 08-A-018-0-00-050-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,640 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 784 sqft |
| Patio Area | 784 sqft |
| Balcony | Balcony |
| Balcony Area | 20 sqft |
| Shed | 1 Shed |
| Shed Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | C 25 |
|---|---|
| Street Address | 10986 SPEAR RD |
| City | CONCORD TOWNSHIP |
| State | OH |
| Zip | 44077-9541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | M |
| Legal Description | LOT 8 TRACT 3 |
| Legal Subdivision | TOWNSHIP/CONCORD 03 |
| Legal Tract | 3 |
| Legal Lot Number | 8 92 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 205002 |
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 10986 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9541 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 13, 2020 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Jan 13, 2020 · Amount on Record |
| Deed Document Number | 474715 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 29, 2022 |
| Property Address | 10986 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9541 |
| Document Number | 0000021254 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2022R021254 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 10986 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9541 |
| Document Number | 0000021255 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 2022R021255 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jan 13, 2020 |
| Property Address | 10986 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9541 |
| Document Number | 0000000920 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 2020R000920 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | EMERALD GLEN TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10986 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9541 |
| Document Number | 0000000921 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 2020R000921 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Jan 13, 2053 |
Source: Lake County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| County Subdivision | Concord Township |
| Unified School District | Riverside Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $7,327.00 (+84.37%) Homeowner's exemption | $75,870 (-) Land $15,050 Building $60,820 | |
| 2022 | $3,974.00 Homeowner's exemption | $75,870 Land $15,050 Building $60,820 | |
| 2021 | $216,760 Land $43,000 Building $173,760 |
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.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PAINESVILLE CITY PWS serves 31,728 people · EPA ID OH4301611 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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