14981 Surrey Downs, Novelty, OH 44072 Property Records

Geauga County property record for 14981 Surrey Downs, Novelty, OH 44072

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,950 sqft · built 1972
Lot Size	1.86 acres (81,022 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Aug 1986)
Tax Bill	$7,000 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-003200`

Property Details

APN / Parcel Number

Primary APN	`26-003200`
Alternative APN	`000914-5`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,950 sqft Living Area
1st Floor Area	1,540 sqft
Upper Floors Area	1,410 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	81,022 sqft (1.86 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	588 sqft
Balcony Area	94 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	000914-5
Street Address	14981 SURREY DOWNS
City	NOVELTY
State	OH
Zip	44072-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	S/L 5 SURREY DOWNS ESTATES SUB
Legal Subdivision	SURREY DOWNS ESTATES
Jurisdiction	GEAUGA OH
Township / Civil Division	RUSSELL
Census Block Group	3
Census Block	3014
Census Tract	311500

Owner

Source: Geauga County records, as of July 14, 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	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust · Line of Credit THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 18, 2022	Intrafamily Transfer, Transfer
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Aug 16, 2017	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 1986 · Amount on Record
Deed Sale	Aug 1, 1986 · Amount on Record
Last Transfer Date	Nov 17, 2022
Transfer Doc	0021620482
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Recording Date	Apr 1, 2026
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Document Number	0001045395
Book / Page	2218 / 2136
Instrument Date	Mar 26, 2026
Instrument	20261045395
Record Updated	Apr 15, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639

Mortgage

Document Number	0001045395,
Date	Apr 1, 2026
Book Page	2218/2136
Instrument	20261045395

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Recording Date	Apr 1, 2026
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Document Number	0022182136
Book / Page	2218 / 2136
Instrument Date	Mar 26, 2026
Instrument	20261045395
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639

Mortgage

Document Number	0001045395,
Date	Apr 1, 2026
Book Page	2218/2136
Instrument	20261045395

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2056

Interest

Rate	5.98%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021741614
Date	Aug 30, 2023
Book Page	2174/1614
Instrument	202301015625

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GEAUGA OH
Recording Date	Nov 18, 2022
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Document Number	0021620482
Book / Page	2162 / 482
Map Reference	VOL 7 PG 26
Instrument Date	Nov 17, 2022
Instrument	202201007132
Transaction Type	Transfer
Record Updated	Dec 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	ACS TITLE AND CLOSING SERVICES, ACS TITLE & CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021252959
Date	May 27, 2021
Book Page	2125/2959
Instrument	202100983544

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GEAUGA OH
Recording Date	Aug 16, 2017
Property Address	14981 SURREY DOWNS, NOVELTY, OH 44072-9639
Document Number	0020371219
Book / Page	002037 / 001219
Instrument Date	Aug 15, 2017
Instrument	924866
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14981 SURREY DOWNS NOVELTY OH 440729639, NOVELTY, OH 44072-9639

Mortgage

Document Number	20371221
Date	Aug 16, 2017
Book Page	002037/001221
Instrument	924867

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,000.00 (+4.6%)	$151,070 (-) Land $22,230 Building $128,840
2024	$6,692.00 (-0.83%) Homeowner's exemption	$151,070 (-) Land $22,230 Building $128,840
2023	$6,748.00 (+21.54%) Homeowner's exemption	$151,070 (+43.73%) Land $22,230 Building $128,840	$431,600 (+43.72%) Land $63,500 Building $368,100
2022		$105,110 Land $18,520 Building $86,590
2021	$5,552.00
2020			$300,300 Land $52,900 Building $247,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	14 (1989–2012)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2012 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1989 · 2 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Surrey Downs

Nearby Streets

All Novelty, OH Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures