Ashtabula County property record for 431 Clay St, Jefferson, OH 44047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,008 sqft · built 1979 |
| Lot Size | 4.55 acres (198,459 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,000 (Jul 2022) |
| Tax Bill | $7,333 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jul 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-005-00-048-02 |
| Primary APN | 25-005-00-048-02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| Gross Area | 2,809 sqft |
| 1st Floor Area | 2,008 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 198,459 sqft (4.55 acres) |
| Terrain | Low |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Enclosed Frame Porch |
| Porch Area | 225 sqft |
| Deck Area | 144 sqft |
| Patio Area | 736 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 431 CLAY ST |
|---|---|
| City | JEFFERSON |
| State | OH |
| Zip | 44047-9724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35 |
| Legal Subdivision | THE CONNECTICUT WESTERN RESERVE |
| Jurisdiction | ASHTABULA OH |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 1102 |
431 Clay St is owned and occupied by two individuals who bought it in July 2022.
Source: Ashtabula County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Jul 15, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage THE HUNTINGTON NATIONAL BANK |
| Jun 4, 2018 | Warranty Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK |
| Jun 4, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2022 · Amount on File |
| Deed Sale | Jul 15, 2022 · Amount on File |
| Prior Sale | Jun 4, 2018 · Amount on File |
| Deed Document Number | 20227565 |
| Deed Book / Page | 775 / 2685 |
| Prior Transfer Date | Dec 23, 2021 |
| Prior Transfer Doc | 0000007565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Property Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0000001327 |
|---|---|
| Date | Feb 13, 2023 |
| Book Page | 789/2687 |
| Instrument | 2023-00001327 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Recording Date | Jul 15, 2022 |
| Property Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0000007565 |
| Book / Page | 775 / 2685 |
| Instrument Date | Dec 23, 2021 |
| Instrument | 202200007565 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2022 |
| Title Company | FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0007752687 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 775/2687 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 174 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Property Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004246 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 735/2657 |
| Instrument | 202100004246 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Jul 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Recording Date | Jun 4, 2018 |
| Property Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0000005409 |
| Book / Page | 660 / 2183 |
| Instrument Date | May 31, 2018 |
| Instrument | 201800005409 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0000005410 |
|---|---|
| Date | Jun 4, 2018 |
| Instrument | 201800005410 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jul 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Recording Date | Jun 4, 2018 |
| Property Address | 431 CLAY ST, JEFFERSON, OH 44047-9724 |
| Document Number | 0000005408 |
| Book / Page | 000660 / 002181 |
| Instrument Date | Oct 30, 1997 |
| Instrument | 5408 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 CLAY ST JEFFERSON OH 440479724, JEFFERSON, OH 44047-9724 |
The 2025 property tax bill for 431 Clay St was $7,333.
Source: Ashtabula County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ashtabula County |
| County Subdivision | Jefferson Township |
| Unified School District | Jefferson Area Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,333.00 | $89,460 Land $14,560 Building $74,900 | $255,600 Land $41,600 Building $214,000 |
| 2023 | $4,051.00 (+27.43%) | $89,460 (+38.23%) Land $14,560 Building $74,900 | $255,600 Land $41,600 Building $214,000 |
| 2022 | $3,179.00 | $64,720 Land $11,200 Building $53,520 | |
| 2020 | $184,900 Land $32,000 Building $152,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Clay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | Jul 2006 · Severe Storms, Straight Line Winds, And Flooding |
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 risk around 431 Clay St is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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