18765 Rivers Edge Dr E, Chagrin Falls, OH 44023 Property Records

Geauga County property record for 18765 Rivers Edge Dr E, Chagrin Falls, OH 44023

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,436 sqft · built 1979
Lot Size	1.62 acres (70,567 sqft)
Owner	Individual Name on File
Last Sale	$74,975 (Jan 2022)
Tax Bill	$5,831 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-049451`

Property Details

APN / Parcel Number

Primary APN	`02-049451`
Alternative APN	`002281-3`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,436 sqft Living Area
1st Floor Area	1,236 sqft
Upper Floors Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	70,567 sqft (1.62 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	312 sqft
Patio Area	624 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	002281-3
Street Address	18765 RIVERS EDGE DR E
City	CHAGRIN FALLS
State	OH
Zip	44023-4953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3A
Legal Description	S/L 31 RIVERS EDGE SUB
Legal Subdivision	RIVERS EDGE
Legal Tract	3
Jurisdiction	GEAUGA OH
Township / Civil Division	BAINBRIDGE
Census Block Group	3
Census Block	3025
Census Tract	311800

Owner

18765 Rivers Edge Dr E is owned and occupied by an individual who bought it in January 2022.

Source: Geauga County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953
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
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 7, 2022	Survivorship Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 12, 2021	Affidavit of Death of Joint Tenant, Transfer SIGNATURE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on File
Deed Sale	Jan 7, 2022 · Amount on File
Prior Sale	Oct 7, 1996 · Amount on File
Deed Document Number	2022994784
Deed Book / Page	2143 / 2700
Prior Transfer Date	Nov 3, 2021
Prior Transfer Doc	0021392292
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Recording Date	Jul 31, 2026
Property Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953
Document Number	0001049979
Book / Page	2226 / 1132
Instrument Date	Jul 23, 2026
Instrument	20261049979
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953

Mortgage

Document Number	0001049979,
Date	Jul 31, 2026
Book Page	2226/1132
Instrument	20261049979

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2056

Interest

Rate	6.49%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953

Mortgage

Document Number	0021483481
Date	Mar 29, 2022
Book Page	2148/3481
Instrument	202200998132

Lender

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

Agreement

Type	Line of Credit
Term	360 Months
Due	Mar 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	GEAUGA OH
Recording Date	Jan 7, 2022
Property Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953
Document Number	0021432700
Book / Page	2143 / 2700
Map Reference	VOL 11 PG 39
Instrument Date	Jan 6, 2022
Instrument	202200994784
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	SIGNATURE TITLE

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953

Mortgage

Document Number	202200994785
Date	Jan 7, 2022
Instrument	202200994785

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

November 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	GEAUGA OH
Recording Date	Nov 12, 2021
Property Address	18765 RIVERS EDGE DR E, CHAGRIN FALLS, OH 44023-4953
Document Number	0021392292
Book / Page	2139 / 2292
Map Reference	VOL 11 PG 39
Instrument Date	Nov 3, 2021
Instrument	202100992212
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	SIGNATURE TITLE

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

Tax Assessment & Valuation

The 2025 property tax bill for 18765 Rivers Edge Dr E was $5,831 with a homeowner's exemption, up 0.4% 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	Bainbridge Township
Unified School District	Kenston Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,831.00 (+0.41%)	$108,470 (-) Land $25,100 Building $83,370
2024	$5,807.00 (+11.42%) Homeowner's exemption	$108,470 (-) Land $25,100 Building $83,370
2023	$5,212.00 Homeowner's exemption	$108,470 (+12.81%) Land $25,100 Building $83,370	$309,900 Land $71,700 Building $238,200
2022		$96,150 Land $21,000 Building $75,150
2021	$5,908.00
2020			$274,700 Land $60,000 Building $214,700

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

Flood

FEMA maps place 18765 Rivers Edge Dr E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jul 2015 · river or lake flooding

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 18765 Rivers Edge Dr E is low, with a 0.02% 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	0.02% 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: T-Mobile.

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