Geauga County property record for 419 Downing Dr, Chardon, OH 44024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,814 sqft · built 2001 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $351,000 (Jan 2020) |
| Tax Bill | $6,715 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-165158 |
| Primary APN | 10-165158 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,814 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Upper Floors Area | 1,306 sqft |
| Basement Area | 1,508 sqft |
| Unfinished Basement | 1,458 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 288 sqft |
| Patio Area | 300 sqft |
| Balcony Area | 26 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 005303-8 |
|---|---|
| Street Address | 419 DOWNING DR |
| City | CHARDON |
| State | OH |
| Zip | 44024-1027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | S/L 10 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 | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 3, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Mar 8, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 15, 2020 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 13, 2018 | Loan Modification, Mortgage · FHA Mortgage OCWEN LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2020 · Amount on Record |
| Deed Sale | Jan 15, 2020 · Amount on Record |
| Prior Sale | Oct 29, 2009 · Amount on Record |
| Deed Document Number | 2020958956 |
| Deed Book / Page | 2085 / 2187 |
| Prior Transfer Date | Jul 10, 2004 |
| Prior Transfer Doc | 0000708376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Document Number | 0021671069 |
|---|---|
| Date | Apr 3, 2023 |
| Book Page | 2167/1069 |
| Instrument | 202301010822 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | CAPITAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0021181241 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 2118/1241 |
| Instrument | 202100978958 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GEAUGA OH |
| Recording Date | Jan 15, 2020 |
| Property Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Document Number | 0020852187 |
| Book / Page | 2085 / 2187 |
| Map Reference | VOL 21 PG 96 |
| Instrument Date | Nov 25, 2019 |
| Instrument | 202000958956 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Document Number | 202000958957 |
|---|---|
| Date | Jan 15, 2020 |
| Instrument | 202000958957 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GEAUGA OH |
| Property Address | 419 DOWNING DR, CHARDON, OH 44024-1027 |
| Document Number | 0020600372 |
| Instrument Date | Sep 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 419 DOWNING DR CHARDON OH 440241027, CHARDON, OH 44024-1027 |
| Document Number | 0020600372 |
|---|---|
| Date | Oct 3, 2018 |
| Book Page | 002060/000372 |
| Instrument | 941404 |
| Name | OCWEN LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | WEST PALM BEACH, FL 33416-9838 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2048 |
| Rate | 4.75% |
|---|
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 | $6,715.00 (-0.12%) | $135,740 (-) Land $18,030 Building $117,710 | |
| 2024 | $6,723.00 (+4.18%) Homeowner's exemption | $135,740 (-) Land $18,030 Building $117,710 | |
| 2023 | $6,453.00 (-3.08%) Homeowner's exemption | $135,740 (+17.55%) Land $18,030 Building $117,710 | $387,800 (+17.55%) Land $51,500 Building $336,300 |
| 2022 | $115,470 Land $15,020 Building $100,450 | ||
| 2021 | $6,658.00 | ||
| 2020 | $329,900 Land $42,900 Building $287,000 |
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.
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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