Cuyahoga County property record for 186 Sprague Rd, Berea, OH 44017
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 834 sqft · built 1948 |
| Lot Size | 0.147 acres (6,380 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $108,000 (Oct 2012) |
| Tax Bill | $3,016 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Apr 2024 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 363-26-034 |
| Primary APN | 363-26-034 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 834 sqft Living Area |
| Gross Area | 1,554 sqft |
| 1st Floor Area | 834 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,380 sqft (0.147 acres) |
| Lot Dimensions | 116 ft deep x 55 ft wide |
| View / Lot | Traffic |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 186 SPRAGUE RD |
|---|---|
| City | BEREA |
| State | OH |
| Zip | 44017-2741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-B |
| Legal Description | 16 STEARNS NEXT E OF FAIR RD 0077 |
| Legal Subdivision | STEARNS |
| Legal Lot Number | 77 |
| Jurisdiction | CUYAHOGA OH |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 134206 |
Source: Cuyahoga County records, as of May 21, 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 | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Apr 25, 2024 | Deed of Trust, Mortgage · Reverse Mortgage COASTAL COMMUNITY BANK |
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2012 · Amount on Record |
| Deed Sale | Oct 4, 2012 · Amount on Record |
| Prior Sale | Oct 21, 1998 · Amount on Record |
| Deed Document Number | 2012506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUYAHOGA OH |
| Property Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Document Number | 0000000115 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 202601150115 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUYAHOGA OH |
| Property Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000076 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 202404250076 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 910 CAMPISI WAY STE 2D, CAMPBELL, CA 95008 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUYAHOGA OH |
| Property Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000000406 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 202201120406 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUYAHOGA OH |
| Property Address | 186 SPRAGUE RD, BEREA, OH 44017-2741 |
| Document Number | 0009190076 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 SPRAGUE RD BEREA OH 440172741, BEREA, OH 44017-2741 |
| Document Number | 0009190076 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 9190076 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 2049 |
Source: Cuyahoga County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Cuyahoga County |
| Municipality | Berea City |
| Unified School District | Berea City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,016.00 (+2.13%) Homeowner's exemption | $52,080 (-0.02%) Land $8,925 Building $43,155 | $148,800 (-) Land $25,500 Building $123,300 |
| 2024 | $2,953.00 (-2.02%) Homeowner's exemption | $52,090 (+19.34%) Land $8,930 Building $43,160 | $148,800 (+19.33%) Land $25,500 Building $123,300 |
| 2023 | $3,014.00 (+0.63%) Homeowner's exemption | $43,650 (-) Land $8,330 Building $35,320 | |
| 2022 | $2,995.00 Homeowner's exemption | $43,650 Land $8,330 Building $35,320 | |
| 2021 | $124,700 Land $23,800 Building $100,900 |
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.
Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2017 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEREA CITY PWS serves 18,789 people · EPA ID OH1800111 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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