1114 Locust Dr, Ashtabula, OH 44004 Property Records

Ashtabula County property record for 1114 Locust Dr, Ashtabula, OH 44004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,360 sqft · built 1940
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 2020)
Tax Bill	$5,587 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-021-10-113-00`

Property Details

APN / Parcel Number

Primary APN	`48-021-10-113-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	1,608 sqft
1st Floor Area	1,224 sqft
Basement Area	136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Low
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	136 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1114 LOCUST DR
City	ASHTABULA
State	OH
Zip	44004-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2-7 COUNTRY CLUB
Legal Subdivision	COUNTRY CLUB
Legal Lot Number	7
Jurisdiction	ASHTABULA OH
Township / Civil Division	SAYBROOK
Census Block Group	1
Census Block	1005
Census Tract	602

Owner

Source: Ashtabula County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	Oct 2, 2003 · Amount on Record
Deed Document Number	202012903
Deed Book / Page	725 / 2286
Record Updated	Sep 20, 2026

December 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	ASHTABULA OH
Recording Date	Dec 8, 2020
Property Address	1114 LOCUST DR, ASHTABULA, OH 44004-2027
Document Number	0000012903
Book / Page	725 / 2286
Map Reference	VOL 7 PG 60
Instrument Date	Oct 29, 2020
Instrument	202000012903
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1114 LOCUST DR, ASHTABULA, OH 44004-2027

Mortgage

Document Number	0007252289
Date	Dec 8, 2020
Instrument	725/2289

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Saybrook Township
Unified School District	Ashtabula Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,587.00 (+81.87%)	$66,750 (-) Land $18,450 Building $48,300	$190,700 (-) Land $52,700 Building $138,000
2023	$3,072.00 (+11.91%) Homeowner's exemption	$66,750 (+29.99%) Land $18,450 Building $48,300	$190,700 (+29.99%) Land $52,700 Building $138,000
2022	$2,745.00 Homeowner's exemption	$51,350 Land $14,180 Building $37,170
2020			$146,700 Land $40,500 Building $106,200

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

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1988)
Most Recent Claim	May 1988 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20