Geauga County property record for 412 Downing Dr, Chardon, OH 44024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,539 sqft · built 1995 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Oct 2002) |
| Tax Bill | $5,540 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-165154 |
| Primary APN | 10-165154 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,539 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Upper Floors Area | 1,023 sqft |
| Basement Area | 1,171 sqft |
| Unfinished Basement | 1,171 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 264 sqft |
| Patio Area | 264 sqft |
| Balcony Area | 76 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005303-0 |
|---|---|
| Street Address | 412 DOWNING DR |
| City | CHARDON |
| State | OH |
| Zip | 44024-1028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | S/L 6 ROCKY CELLARS SUB #1 AMENDED |
| Legal Subdivision | ROCKY CELLARS SUB |
| Jurisdiction | GEAUGA OH |
| Township / Civil Division | CHARDON |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 312201 |
Source: Geauga County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Apr 10, 2026 | Deed of Trust · Line of Credit THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND |
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2002 · Amount on Record |
| Deed Sale | Oct 7, 2002 · Amount on Record |
| Prior Sale | Oct 7, 2002 · Amount on Record |
| Deed Document Number | 2002639613 |
| Deed Book / Page | 1527 / 221 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Recording Date | Apr 10, 2026 |
| Property Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0022190724 |
| Book / Page | 2219 / 724 |
| Instrument Date | Apr 4, 2026 |
| Instrument | 20261045723 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0001045723, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2219/724 |
| Instrument | 20261045723 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Recording Date | Apr 10, 2026 |
| Property Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0001045723 |
| Book / Page | 2219 / 724 |
| Instrument Date | Apr 4, 2026 |
| Instrument | 20261045723 |
| Record Updated | Apr 23, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0001045723, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2219/724 |
| Instrument | 20261045723 |
| Name | THIRD FEDERAL SAVINGS AND LOANS/CLEVELAND |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 412 DOWNING DR, CHARDON, OH 44024-1028 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0021041719 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 2104/1719 |
| Instrument | 202000970579 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Geauga County assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Geauga County |
| Municipality | Chardon City |
| Unified School District | Chardon Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,540.00 (-0.13%) | $112,000 (-) Land $18,620 Building $93,380 | |
| 2024 | $5,547.00 (+4.19%) Homeowner's exemption | $112,000 (-) Land $18,620 Building $93,380 | |
| 2023 | $5,324.00 (-3.85%) Homeowner's exemption | $112,000 (+16.32%) Land $18,620 Building $93,380 | $320,000 (+16.32%) Land $53,200 Building $266,800 |
| 2022 | $96,290 Land $15,510 Building $80,780 | ||
| 2021 | $5,537.00 | ||
| 2020 | $275,100 Land $44,300 Building $230,800 |
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.
Source: FEMA National Flood Hazard Layer, effective June 16, 2009 · 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 | 1 in force |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARDON CITY PWS serves 5,247 people · EPA ID OH2800412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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