400 River St, Madison, OH 44057 Property Records

Lake County property record for 400 River St, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,322 sqft · built 1994
Lot Size	5.8 acres (252,648 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,877 (2023)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-A-009-0-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`02-A-009-0-00-004-0`
Alternative APN	`8`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,322 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	840 sqft
Attic Area	506 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	252,648 sqft (5.8 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	258 sqft
Patio Area	690 sqft
Lean-To	288 sqft
Pole Barn	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	8
Street Address	400 RIVER ST
City	MADISON
State	OH
Zip	44057-9566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT 95
Legal Subdivision	HARVEYS SURV
Legal Lot Number	95 119
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1010
Census Tract	206100

Owner

Source: Lake County records, as of April 25, 2024

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

Owner of Record	2 Individual Names on Record
Mailing Address	400 RIVER ST, MADISON, OH 44057-9566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2001
Deed Sale	Sep 25, 2001
Deed Document Number	E3520
Record Updated	Jun 7, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	400 RIVER ST, MADISON, OH 44057-9566
Document Number	0000003419
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 RIVER ST MADISON OH 440579566, MADISON, OH 44057-9566

Mortgage

Document Number	0000003419
Date	Feb 19, 2019
Instrument	3419

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Madison Township
Municipality	Madison Village
Unified School District	Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,877.00 (+80.14%) Homeowner's exemption	$105,660 (-) Land $26,450 Building $79,210
2022	$6,038.00 Homeowner's exemption	$105,660 Land $26,450 Building $79,210
2021			$301,880 Land $75,560 Building $226,320

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · 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	9 in force
Nearby Flood Claims	16 (1986–2023)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Aug 2023 · river or lake flooding
Claims by Event	Severe Storms, Straight Line Winds, And Flooding, Jul 2006 · 2 claims

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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