Geauga County property record for 416 Downing Dr, Chardon, OH 44024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,538 sqft · built 1995 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Sep 2019) |
| Tax Bill | $5,485 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-165156 |
| Primary APN | 10-165156 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,538 sqft Living Area |
| 1st Floor Area | 1,364 sqft |
| Upper Floors Area | 1,174 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 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 | 15,246 sqft (0.35 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Balcony Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Well |
| Account Number | 005303-4 |
|---|---|
| Street Address | 416 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 8 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 | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Line of Credit THE MIDDLEFIELD BANKING CO |
| Oct 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Sep 9, 2019 | Warranty Deed, Transfer · FHA Mortgage FLORIDA CAPITAL BANK NA |
| Jan 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FED'L S&L/LAKEWOOD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2019 · Amount on Record |
| Deed Sale | Sep 9, 2019 · Amount on Record |
| Prior Sale | May 1, 2014 · Amount on Record |
| Deed Document Number | 2019953876 |
| Deed Book / Page | 2078 / 169 |
| Prior Transfer Date | Feb 11, 2014 |
| Prior Transfer Doc | 0019661934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0021693108 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 2169/3108 |
| Instrument | 202301012579 |
| Name | THE MIDDLEFIELD BANKING CO |
|---|---|
| Type | Bank |
| Address | MIDDLEFIELD, OH 44062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0021070254 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 2107/254 |
| Instrument | 202000972104 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GEAUGA OH |
| Recording Date | Sep 9, 2019 |
| Property Address | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0020780169 |
| Book / Page | 2078 / 0169 |
| Map Reference | VOL 21 PG 96 |
| Instrument Date | Sep 5, 2019 |
| Instrument | 201900953876 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | REVERE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 201900953877 |
|---|---|
| Date | Sep 9, 2019 |
| Instrument | 201900953877 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 416 DOWNING DR, CHARDON, OH 44024-1028 |
| Document Number | 0020632785 |
| Instrument Date | Jan 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | GUARDIAN EQUITY SERVICES, GUARDIAN EQUITY SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 416 DOWNING DR CHARDON OH 440241028, CHARDON, OH 44024-1028 |
| Document Number | 0020632785 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 002063/002785 |
| Instrument | 944076 |
| Name | FIRST FED'L S&L/LAKEWOOD |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKEWOOD, OH 44107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.59% |
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 | $5,485.00 (-0.13%) | $110,890 (-) Land $18,030 Building $92,860 | |
| 2024 | $5,492.00 (+4.17%) Homeowner's exemption | $110,890 (-) Land $18,030 Building $92,860 | |
| 2023 | $5,272.00 (-3.94%) Homeowner's exemption | $110,890 (+16.18%) Land $18,030 Building $92,860 | $316,800 (+16.17%) Land $51,500 Building $265,300 |
| 2022 | $95,450 Land $15,020 Building $80,430 | ||
| 2021 | $5,488.00 | ||
| 2020 | $272,700 Land $42,900 Building $229,800 |
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 | 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.
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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