34 E Cottage St, Chagrin Falls, OH 44022 Property Records

Cuyahoga County property record for 34 E Cottage St, Chagrin Falls, OH 44022

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,082 sqft · built 1900
Lot Size	0.454 acres (19,781 sqft)
Owner	2 Company Names on Record
Last Sale	$1,735,000 (Oct 2024)
Tax Bill	$29,575 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`931-13-030`

Property Details

APN / Parcel Number

Primary APN	`931-13-030`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,082 sqft Living Area
1st Floor Area	1,838 sqft
2nd Floor Area	1,244 sqft
Basement Area	1,244 sqft
Finished Basement	933 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,781 sqft (0.454 acres)
Lot Dimensions	119 ft deep x 82.7 ft wide
Garage Type	Basement
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	240 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	34 E COTTAGE ST
City	CHAGRIN FALLS
State	OH
Zip	44022-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2F
Legal Description	3 20 0077 NEP
Legal Subdivision	NOAH GRAVES ALLOTMENT
Legal Tract	3
Legal Lot Number	77
Jurisdiction	CUYAHOGA OH
Township / Civil Division	CHAGRIN FALLS
Census Block Group	4
Census Block	4015
Census Tract	195900

Owner

Source: Cuyahoga County records, as of March 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	34 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2729
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Deed of Trust, Mortgage · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST
Feb 5, 2021	Fiduciary Deed, Transfer · Conventional Mortgage UBS BANK USA
Feb 26, 2018	Warranty Deed, Transfer REVERE TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 15, 2024 · Amount on Record
Deed Sale	Oct 15, 2024 · Amount on Record
Prior Sale	Feb 5, 2021 · Amount on Record
Deed Document Number	0000000508
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	34 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2729
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	VA TITLE AGENCY, NOVA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000564
Date	Aug 26, 2025
Instrument	202508260564

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	FORT MYERS, FL 33919

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate	6.37%
Type Change Date	Sep 1, 2030
Min Rate At Change	5.37%
Max Rate At Change	8.37%
Max Rate	11.3%

February 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Feb 5, 2021
Property Address	34 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2729
Document Number	0000000397
Map Reference	VOL PG 37
Instrument Date	Feb 2, 2021
Instrument	202102050397
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	VTA TITLE AGENCY INC, NOVA TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	34 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2729

Mortgage

Document Number	0000000398
Date	Feb 5, 2021
Instrument	202102050398

Lender

Name	UBS BANK USA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.37%
Index	Other
Margin	3
Max Rate	12.3%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Feb 26, 2018
Property Address	34 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2729
Document Number	0002260267
Instrument Date	Feb 22, 2018
Instrument	2260267
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	REVERE TITLE

Transaction

Amount	Amount Recorded
Tax	$2,308.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2017 E 9TH ST #SKY4 CLEVELAND OH 441151316, CLEVELAND, OH 44115-1316

Tax Assessment & Valuation

Source: Cuyahoga County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
County Subdivision	Chagrin Falls Township
Municipality	Chagrin Falls Village
Unified School District	Chagrin Falls Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,575.00 (+0.96%)	$475,130 (-) Land $58,870 Building $416,260
2024	$29,295.00 (+103.73%) Homeowner's exemption	$475,130 (+135.18%) Land $58,870 Building $416,260	$1,357,500 (+135.19%) Land $168,200 Building $1,189,300
2023	$14,379.00 (-5.46%) Homeowner's exemption	$202,030 (-) Land $30,840 Building $171,190
2022	$15,209.00 Homeowner's exemption	$202,030 Land $30,840 Building $171,190
2021			$577,200 Land $88,100 Building $489,100

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

Flood

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 Policies	2 in force
Nearby Flood Claims	2 (2021–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2025 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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.

Drinking Water

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

Water System	CHAGRIN FALLS VILLAGE PWS serves 4,991 people · EPA ID OH1800212
Water Source	Purchased surface water from CLEVELAND PUBLIC WATER SYSTEM
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 442 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Windstream.

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