3912 E 189th St, Cleveland (Beachwood), OH 44122 Property Records

Cuyahoga County property record for 3912 E 189th St, Cleveland, OH 44122

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 990 sqft · built 1955
Lot Size	0.129 acres (5,625 sqft)
Owner	Individual Name on File
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`140-25-004`

Property Details

APN / Parcel Number

Primary APN	`140-25-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
1st Floor Area	990 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,625 sqft (0.129 acres)
Lot Dimensions	125 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	3912 E 189TH ST
City	CLEVELAND
State	OH
Zip	44122-6756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1F
Legal Description	64 SCOTTSDALE 0248 ALL MB140 PG25 MB45517 PG0037
Legal Subdivision	SCOTTSDALE
Legal Lot Number	248
Jurisdiction	CUYAHOGA OH
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1006
Census Tract	121800

Owner

3912 E 189th St is owned and occupied by an individual who acquired it in February 2006.

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

Owner of Record	Individual Name on File
Mailing Address	3912 E 189TH ST, CLEVELAND, OH 44122-6756
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
Dec 22, 2025	Deed of Trust, Mortgage · Loan Assumption HOUSEHOLD REALTY CORP
Mar 30, 2020	Loan Modification, Mortgage · Conventional with PMI RUSHMORE LN MGMT SVCS
Apr 17, 2019	Loan Modification, Mortgage · Conventional with PMI RUSHMORE LN MGMT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2006
Deed Sale	Feb 6, 2006
Deed Document Number	0004551737
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	3912 E 189TH ST, CLEVELAND, OH 44122-6756
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 E 189TH ST, CLEVELAND, OH 44122-6756

Mortgage

Document Number	0000000479
Date	Dec 22, 2025
Instrument	202512220479

Lender

Name	HOUSEHOLD REALTY CORP
Type	Funding / Finance Company
Address	BEACHWOOD, OH 44122

Agreement

Type	Loan Assumption
Amount	Amount on Record

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CUYAHOGA OH
Property Address	3912 E 189TH ST, CLEVELAND, OH 44122-6756
Document Number	0004300099
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 E 189TH ST CLEVELAND OH 441226756, CLEVELAND, OH 44122-6756

Mortgage

Document Number	0004300099
Date	Apr 30, 2020
Instrument	4300099

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	Apr 29, 2030

Interest

Rate Type	Fixed Rate
Rate	5.87%

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CUYAHOGA OH
Property Address	3912 E 189TH ST, CLEVELAND, OH 44122-6756
Document Number	0005100151
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 E 189TH ST CLEVELAND OH 441226756, CLEVELAND, OH 44122-6756

Mortgage

Document Number	0005100151
Date	May 10, 2019
Instrument	5100151

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	May 9, 2029

Interest

Rate Type	Fixed Rate
Rate	5.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3912 E 189th St was $2,029 with exemptions applied, down 1.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
Municipality	Cleveland City
Unified School District	Cleveland Municipal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,029.00 (-1.07%) Homeowner's exemption Senior Citizen's exemption	$41,100 (-) Land $6,620 Building $34,480
2024	$2,051.00 (+40.19%) Homeowner's exemption Senior Citizen's exemption	$41,100 (+44.41%) Land $6,620 Building $34,480	$117,400 Land $18,900 Building $98,500
2023	$1,463.00 (-27.68%) Homeowner's exemption Senior Citizen's exemption	$28,460 (-) Land $5,780 Building $22,680
2022	$2,023.00 Homeowner's exemption Senior Citizen's exemption	$28,460 Land $5,780 Building $22,680
2021			$81,300 Land $16,500 Building $64,800

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

Flood

FEMA maps place 3912 E 189th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.

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	2 (1994–2017)
Claims Outside the SFHA	1 of 2
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.

Wildfire

The area around 3912 E 189th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CLEVELAND PUBLIC WATER SYSTEM serves 1,308,955 people · EPA ID OH1801212
Water Source	Surface water
Last State Inspection	Jun 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	1 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 850 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Breezeline, DigitalC, PCs for People, T-Mobile, Verizon.

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