11595 Stephens Way, Chardon, OH 44024 Property Records

Geauga County property record for 11595 Stephens Way, Chardon, OH 44024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,142 sqft · built 2002
Lot Size	2.57 acres (111,949 sqft)
Owner	Individual Name on File
Last Sale	$439,900 (Dec 2002)
Tax Bill	$8,992 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-177056`

Property Details

APN / Parcel Number

Primary APN	`21-177056`
Alternative APN	`004502-8`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
1st Floor Area	1,612 sqft
Upper Floors Area	1,530 sqft
Basement Area	1,578 sqft
Unfinished Basement	1,578 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	111,949 sqft (2.57 acres)
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	32 sqft
Patio Area	505 sqft
Balcony Area	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	004502-8
Street Address	11595 STEPHENS WAY
City	CHARDON
State	OH
Zip	44024-8361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S/L 2 PEPPERTREE CHASE SUB
Legal Subdivision	PEPPERTREE CHASE
Legal Tract	2
Jurisdiction	GEAUGA OH
Township / Civil Division	MUNSON
Census Block Group	1
Census Block	1000
Census Tract	310800

Owner

11595 Stephens Way is owned and occupied by an individual who bought it in December 2002.

Source: Geauga County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	11595 STEPHENS WAY, CHARDON, OH 44024-8361
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
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Mar 6, 2017	Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2002 · Amount on File
Deed Sale	Dec 23, 2002 · Amount on File
Prior Sale	Dec 23, 2002 · Amount on File
Deed Document Number	2002646477
Deed Book / Page	1558 / 1166
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11595 STEPHENS WAY, CHARDON, OH 44024-8361
Document Number	0020460094
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11595 STEPHENS WAY CHARDON OH 440248361, CHARDON, OH 44024-8361

Mortgage

Document Number	0020460094
Date	Jan 16, 2018
Book Page	002046/000094
Instrument	931120

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	11595 STEPHENS WAY, CHARDON, OH 44024-8361
Document Number	0020282098
Book / Page	002028 / 002098
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 30, 2017
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11595 STEPHENS WAY CHARDON OH 440248361, CHARDON, OH 44024-8361

Mortgage

Document Number	0020282098
Date	Mar 10, 2017
Book Page	002028/002098
Instrument	918504

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.89%

Tax Assessment & Valuation

The 2025 property tax bill for 11595 Stephens Way was $8,992 with a homeowner's exemption, down 0.5% from the year before.

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	$8,992.00 (-0.5%)	$184,880 (-) Land $36,860 Building $148,020
2024	$9,037.00 (+5.66%) Homeowner's exemption	$184,880 (-) Land $36,860 Building $148,020
2023	$8,553.00 Homeowner's exemption	$184,880 (+33.11%) Land $36,860 Building $148,020	$528,200 Land $105,300 Building $422,900
2022		$138,890 Land $30,700 Building $108,190
2021	$7,866.00
2020			$396,800 Land $87,700 Building $309,100

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 11595 Stephens Way in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 11595 Stephens Way is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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