173 River St, Madison, OH 44057 Property Records

Lake County property record for 173 River St, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 779 sqft · built 1880
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2021)
Tax Bill	$4,003 (2023)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-A-009-C-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`02-A-009-C-00-002-0`
Alternative APN	`D 44`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	779 sqft Living Area
Gross Area	1,171 sqft
1st Floor Area	416 sqft
Basement Area	315 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1970
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	323 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	173 RIVER ST
City	MADISON
State	OH
Zip	44057-3238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT 51
Legal Subdivision	HARVEY
Legal Block	1
Legal Lot Number	51
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1003
Census Tract	206100

Owner

Source: Lake 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	173 RIVER ST, MADISON, OH 44057-3238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Prior Sale	Apr 10, 2008 · Amount on Record
Deed Document Number	202128465
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Aug 16, 2021
Property Address	173 RIVER ST, MADISON, OH 44057-3238
Document Number	0000028465
Instrument Date	Aug 13, 2021
Instrument	2021R028465
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	OHIO REAL TITLE

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
Address	173 RIVER ST, MADISON, OH 44057-3238
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028466
Date	Aug 16, 2021
Instrument	2021R028466

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Madison Township
Municipality	Madison Village
Unified School District	Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$46,980 (+20.8%) Land $11,340 Building $35,640	$134,240 (+20.81%) Land $32,400 Building $101,840
2023	$4,003.00 (+78.63%) Homeowner's exemption	$38,890 (-) Land $9,450 Building $29,440
2022	$2,241.00 Homeowner's exemption	$38,890 Land $9,450 Building $29,440
2021			$111,120 Land $27,000 Building $84,120

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	9 in force
Nearby Flood Claims	16 (1986–2023)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Aug 2023 · river or lake flooding
Claims by Event	Severe Storms, Straight Line Winds, And Flooding, Jul 2006 · 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	0.01% 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 155 locations within half a mile, as of December 31, 2025

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