2981 Chapel Rd, Ashtabula, OH 44004 Property Records

Ashtabula County property record for 2981 Chapel Rd, Ashtabula, OH 44004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1977
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$127,000 (Nov 2012)
Tax Bill	$4,617 (2025)
Deeds & Mortgages	May 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-025-00-009-00`

Property Details

APN / Parcel Number

Primary APN	`48-025-00-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,724 sqft
1st Floor Area	576 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Lot Area	43,996 sqft (1.01 acres)
Terrain	Low
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	468 sqft
Balcony Area	48 sqft
Shed	1 Shed
Shed Area	192 sqft
Pole Barn	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2981 CHAPEL RD
City	ASHTABULA
State	OH
Zip	44004-9531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82 M
Legal Subdivision	SAYBROOK
Legal Lot Number	82
Jurisdiction	ASHTABULA OH
Township / Civil Division	SAYBROOK
Census Block Group	3
Census Block	3013
Census Tract	1102

Owner

2981 Chapel Rd is owned and occupied by two individuals who bought it in November 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	2981 CHAPEL RD, ASHTABULA, OH 44004-9531
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2012 · Amount on File
Deed Sale	Nov 1, 2012 · Amount on File
Deed Document Number	201212471
Deed Book / Page	528 / 2065
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ASHTABULA OH
Recording Date	May 19, 2022
Property Address	2981 CHAPEL RD, ASHTABULA, OH 44004-9531
Document Number	0000005456
Book / Page	771 / 1421
Instrument Date	May 17, 2022
Instrument	202200005456
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LT

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	Right of Survivorship
Address	2981 CHAPEL RD, ASHTABULA, OH 44004-9531

Mortgage

Document Number	0007711424
Date	May 19, 2022
Instrument	771/1424

Lender

Name	LAKEVIEW FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 2981 Chapel Rd was $4,617.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Saybrook Township
Unified School District	Ashtabula Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,617.00	$55,160 Land $5,390 Building $49,770	$157,600 Land $15,400 Building $142,200
2023	$2,599.00 (-27.26%) Homeowner's exemption	$55,160 (+34.57%) Land $5,390 Building $49,770	$157,600 Land $15,400 Building $142,200
2022	$3,573.00 Homeowner's exemption	$40,990 Land $4,130 Building $36,860
2020			$117,100 Land $11,800 Building $105,300

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

FEMA maps place 2981 Chapel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · 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 (2006)
Most Recent Claim	Jul 2006 · Severe Storms, Straight Line Winds, And 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 2981 Chapel Rd 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chapel Rd

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