11156 Spear Rd, Concord Township (Painesville), OH 44077 Property Records

Lake County property record for 11156 Spear Rd, Concord Township, OH 44077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,818 sqft · built 1949
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Nov 2019)
Tax Bill	$5,377 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-A-018-A-00-052-0`

Property Details

APN / Parcel Number

Primary APN	`08-A-018-A-00-052-0`
Alternative APN	`C 5`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	1,658 sqft
1st Floor Area	1,060 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	56,192 sqft (1.29 acres)

Exterior Amenities

Deck Area	350 sqft
Patio Area	48 sqft
Shed	1 Shed
Shed Area	120 sqft
Pole Barn	1,056 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	C 5
Street Address	11156 SPEAR RD
City	CONCORD TOWNSHIP
State	OH
Zip	44077-9542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 8 TRACT 3
Legal Subdivision	SUBSISTANCE HOMES
Legal Tract	3
Legal Lot Number	8
Jurisdiction	LAKE OH
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2010
Census Tract	205002

Owner

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	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 19, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 1, 2017	Deed of Trust, Mortgage · Line of Credit ACME FCU
Nov 6, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on Record
Deed Sale	Nov 6, 2019 · Amount on Record
Prior Sale	Jul 11, 2014 · Amount on Record
Deed Document Number	448636
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009322
Date	Mar 19, 2021
Instrument	2021R009322

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020078
Date	Jul 19, 2022
Instrument	2022R020078

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014215
Date	Jun 1, 2017
Instrument	2017R014215

Lender

Name	ACME FCU
Type	Credit Union
Address	EASTLAKE, OH 44095

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 31, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Nov 6, 2019
Property Address	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542
Document Number	0000027340
Instrument Date	Nov 5, 2019
Instrument	2019R027340
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	11156 SPEAR RD, CONCORD TOWNSHIP, OH 44077-9542

Mortgage

Document Number	0000027341
Date	Nov 6, 2019
Instrument	2019R027341

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Concord Township
Unified School District	Riverside Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,377.00 (+71.9%) Homeowner's exemption	$55,680 (-) Land $18,780 Building $36,900
2022	$3,128.00 Homeowner's exemption	$55,680 Land $18,780 Building $36,900
2021			$159,070 Land $53,650 Building $105,420

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 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	7 in force
Nearby Flood Claims	24 (1978–2013)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Severe Storms, Straight Line Winds, And Flooding, Aug 2006 · 13 claims Severe Storms & Flooding, May 1989 · 4 claims

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	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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