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2020 W Prospect Rd, Ashtabula, OH 44004 Property Records

Ashtabula County property record for 2020 W Prospect Rd, Ashtabula, OH 44004

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,136 sqft · built 1930
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$155,775 (Dec 2025)
Tax Bill$2,327 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Dec 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN48-012-10-001-00

Property Details

APN / Parcel Number

Primary APN48-012-10-001-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,136 sqft Living Area
1st Floor Area800 sqft
Upper Floors Area400 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1950
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Lot Area6,098 sqft (0.14 acres)
View / LotNeighborhood / Spot
Garage TypeDetached
Garage Area324 sqft
PorchOpen Frame Porch
Porch Area200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address2020 W PROSPECT RD
CityASHTABULA
StateOH
Zip44004-6438
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description34 POWELL-DUDLEY ALLOT
Legal SubdivisionPOWELL-DUDLEY ALLOTMENT
Legal Lot Number34
JurisdictionASHTABULA OH
Township / Civil DivisionSAYBROOK
Census Block Group1
Census Block1001
Census Tract703

Owner

2020 W Prospect Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Ashtabula County records, as of May 27, 2026

Owner of Record2 Individual Names on File
Mailing Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

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

DateDocument
Aug 14, 2023Deed of Trust, Mortgage · Line of Credit
LAKEVIEW FCU
Dec 17, 2025Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Dec 30, 2019Warranty Deed, Transfer
ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 17, 2025 · Amount on File
Deed SaleDec 17, 2025 · Amount on File
Prior SaleDec 30, 2019 · Amount on File
Deed Document Number202512297
Deed Book / Page860 / 1272
Prior Transfer DateMay 18, 2012
Prior Transfer Doc0000005434
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionASHTABULA OH
Property Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438
Transaction TypeMortgage
Record UpdatedDec 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000007327
DateAug 14, 2023
Book Page801/2356
Instrument2023-00007327
Lender
NameLAKEVIEW FCU
TypeCredit Union
AddressASHTABULA, OH 44004
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueAug 13, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionASHTABULA OH
Recording DateDec 17, 2025
Property Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438
Document Number0000012297
Book / Page860 / 1272
Map ReferenceVOL 8 PG 36
Instrument DateDec 11, 2025
Instrument2025-00012297
Transaction TypeTransfer
Record UpdatedDec 29, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438

Mortgage

Document Number0008601275
DateDec 17, 2025
Instrument860/1275
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionASHTABULA OH
Recording DateDec 30, 2019
Property Address2020 W PROSPECT RD, ASHTABULA, OH 44004-6438
Document Number0000013317
Book / Page000699 / 002367
Instrument DateDec 26, 2019
Instrument13317
Transaction TypeTransfer
Record UpdatedJan 30, 2020
Title CompanyENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transaction

AmountAmount on Record
Tax$316.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2020 W PROSPECT RD ASHTABULA OH 440046438, ASHTABULA, OH 44004-6438

Tax Assessment & Valuation

The 2025 property tax bill for 2020 W Prospect Rd was $2,327, up 166.2% from the year before.

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

TypeName
StateOhio
CountyAshtabula County
County SubdivisionSaybrook Township
Unified School DistrictAshtabula Area City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,327.00 (+166.25%)$27,800 (-) Land $4,870 Building $22,930$79,400 Land $13,900 Building $65,500
2024$874.00 (-3.74%) Homeowner's exemption Senior Citizen's exemption$27,800 (-) Land $4,870 Building $22,930
2023$908.00 (-32.49%) Homeowner's exemption$27,800 (+39.56%) Land $4,870 Building $22,930$79,400 Land $13,900 Building $65,500
2022$1,345.00 Homeowner's exemption$19,920 Land $3,750 Building $16,170
2020$56,900 Land $10,700 Building $46,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2020 W Prospect Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims4 (1978–1981)
Most Recent ClaimApr 1981 · 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.

Wildfire

Wildfire risk around 2020 W Prospect Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 96% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemAQUA OHIO - ASHTABULA
private · serves 32,342 people · EPA ID OH0400711
Water SourceSurface water
Last State InspectionJun 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL in parts of the area		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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