3960 Clearwater Dr, Parma (Cleveland), OH 44134 Property Records

Cuyahoga County property record for 3960 Clearwater Dr, Parma, OH 44134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 1986
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$183,000 (May 2020)
Tax Bill	$4,921 (2025)
Deeds & Mortgages	Feb 2024 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`453-26-005`

Property Details

APN / Parcel Number

Primary APN	`453-26-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft
Basement Area	1,260 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3960 CLEARWATER DR
City	PARMA
State	OH
Zip	44134-6382
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-AA
Legal Description	43 STATE & SPRAGUE SUB#1-C 0062 ALL
Legal Subdivision	SPRAGUE SUB#1
Legal Lot Number	62
Jurisdiction	CUYAHOGA OH
Township / Civil Division	PARMA
Census Block Group	2
Census Block	2006
Census Tract	177505

Owner

3960 Clearwater Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3960 CLEARWATER DR, PARMA, OH 44134-6382
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
Feb 21, 2024	Deed of Trust, Mortgage DOLLAR BANK FSB
May 18, 2020	Grant Deed, Transfer · Conventional with PMI DOLLAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on File
Deed Sale	May 18, 2020 · Amount on File
Prior Sale	Oct 10, 2001
Deed Document Number	0005180329
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	3960 CLEARWATER DR, PARMA, OH 44134-6382
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 CLEARWATER DR, PARMA, OH 44134-6382

Mortgage

Document Number	0000000170
Date	Feb 21, 2024
Instrument	202402210170

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Amount	Amount on Record

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CUYAHOGA OH
Recording Date	May 18, 2020
Property Address	3960 CLEARWATER DR, PARMA, OH 44134-6382
Document Number	0005180329
Instrument Date	May 8, 2020
Instrument	5180329
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 CLEARWATER DR PARMA OH 441346382, PARMA, OH 44134-6382

Mortgage

Document Number	5180330
Date	May 18, 2020
Instrument	5180330

Lender

Name	DOLLAR BK
Type	Bank
Address	CANTON, OH 44711-8469

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3960 Clearwater Dr was $4,921 with a homeowner's exemption, up 3.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,921.00 (+3.21%) Homeowner's exemption	$87,050 (-) Land $16,770 Building $70,280
2024	$4,768.00 (+0.42%) Homeowner's exemption	$87,050 (+27.81%) Land $16,770 Building $70,280	$248,700 Land $47,900 Building $200,800
2023	$4,748.00 (+0.91%) Homeowner's exemption	$68,110 (-) Land $14,560 Building $53,550
2022	$4,705.00 Homeowner's exemption	$68,110 Land $14,560 Building $53,550
2021			$194,600 Land $41,600 Building $153,000

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 3960 Clearwater Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3960 Clearwater Dr 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 Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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