11160 River Rd, Chardon, OH 44024 Property Records

Geauga County property record for 11160 River Rd, Chardon, OH 44024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,813 sqft · built 1999
Lot Size	2.78 acres (121,097 sqft)
Owner	Individual Name on Record
Last Sale	$493,000 (Aug 1999)
Tax Bill	$10,377 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-176806`

Property Details

APN / Parcel Number

Primary APN	`21-176806`
Alternative APN	`004458-3`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,813 sqft Living Area
1st Floor Area	2,078 sqft
Upper Floors Area	1,182 sqft
Attic	Attic
Attic Area	732 sqft
Basement Area	2,078 sqft
Unfinished Basement	2,078 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	121,097 sqft (2.78 acres)
Garage Area	1,595 sqft
Parking Spaces	6 Parking Spaces
Deck Area	250 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	004458-3
Street Address	11160 RIVER RD
City	CHARDON
State	OH
Zip	44024-8845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S/L 4 RESERVE AT BASS LAKE SUB RERECORDED
Legal Subdivision	BASS LAKE
Jurisdiction	GEAUGA OH
Township / Civil Division	MUNSON
Census Block Group	4
Census Block	4015
Census Tract	310800

Owner

Source: Geauga County records, as of July 20, 2026

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
Mailing Address	11160 RIVER RD, CHARDON, OH 44024-8845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Feb 8, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 29, 2018	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 29, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 1999 · Amount on Record
Deed Sale	Aug 12, 1999 · Amount on Record
Prior Sale	Mar 26, 1999 · Amount on Record
Deed Document Number	1999562648
Deed Book / Page	1253 / 197
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Recording Date	Jul 8, 2026
Property Address	11160 RIVER RD, CHARDON, OH 44024-8845
Document Number	0001048942
Book / Page	2224 / 2115
Instrument Date	Jun 24, 2026
Instrument	20261048942
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11160 RIVER RD, CHARDON, OH 44024-8845

Mortgage

Document Number	0001048942,
Date	Jul 8, 2026
Book Page	2224/2115
Instrument	20261048942

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11160 RIVER RD, CHARDON, OH 44024-8845
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11160 RIVER RD, CHARDON, OH 44024-8845

Mortgage

Document Number	0021650623
Date	Feb 8, 2023
Book Page	2165/623
Instrument	202301009287

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11160 RIVER RD, CHARDON, OH 44024-8845
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020611658
Date	Oct 29, 2018
Book Page	2061/1658
Instrument	201800942385

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11160 RIVER RD, CHARDON, OH 44024-8845
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020912019
Date	Apr 24, 2020
Book Page	2091/2019
Instrument	202000962691

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11160 RIVER RD, CHARDON, OH 44024-8845
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11160 RIVER RD, CHARDON, OH 44024-8845

Mortgage

Document Number	0021303084
Date	Jul 29, 2021
Book Page	2130/3084
Instrument	202100986731

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Geauga County assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Geauga County
County Subdivision	Munson Township
Unified School District	Chardon Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,377.00 (-0.49%)	$213,300 (-) Land $44,630 Building $168,670
2024	$10,428.00 (+5.65%) Homeowner's exemption	$213,300 (-) Land $44,630 Building $168,670
2023	$9,870.00 (-3.42%) Homeowner's exemption	$213,300 (+18.13%) Land $44,630 Building $168,670	$609,400 (+18.12%) Land $127,500 Building $481,900
2022		$180,570 Land $30,210 Building $150,360
2021	$10,219.00
2020			$515,900 Land $86,300 Building $429,600

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 June 16, 2009 · 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 45 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
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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