431 E 245th St, Euclid, OH 44123 Property Records

Cuyahoga County property record for 431 E 245th St, Euclid, OH 44123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,030 sqft · built 1960
Lot Size	0.146 acres (6,360 sqft)
Owner	Company Name on File
Last Sale	$128,500 (Aug 2024)
Tax Bill	$4,140 (2025)
Deeds & Mortgages	Aug 2024 Sale & Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`644-17-091`

Property Details

APN / Parcel Number

Primary APN	`644-17-091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	906 sqft
2nd Floor Area	1,124 sqft
Basement Area	552 sqft
Finished Basement	414 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	106 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Deck Area	69 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	431 E 245TH ST
City	EUCLID
State	OH
Zip	44123-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U2
Legal Description	19-6 JLLOVE 0006 ALL
Legal Subdivision	JAMES L LOVE
Legal Tract	19
Legal Lot Number	6
Jurisdiction	CUYAHOGA OH
Township / Civil Division	EUCLID
Census Block Group	3
Census Block	3003
Census Tract	152202

Owner

Source: Cuyahoga County assessment roll, as of August 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	25000 EUCLID AVE STE 305, 305, EUCLID, OH 44117-2646
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Warranty Deed, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANKERS GUARANTEE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Prior Sale	Jun 6, 1994 · Amount on Record
Deed Document Number	0000000321
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Aug 16, 2024
Property Address	431 E 245TH ST, EUCLID, OH 44123-1404
Document Number	0000000321
Map Reference	VOL 158 PG 1
Instrument Date	Aug 13, 2024
Instrument	202408160321
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25000 EUCLID AVE STE 305, 305, EUCLID, OH 44117-2646

Mortgage

Document Number	0000000322
Date	Aug 16, 2024
Instrument	202408160322

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	431 E 245TH ST, EUCLID, OH 44123-1404
Document Number	0006290502
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E 245TH ST EUCLID OH 441231404, EUCLID, OH 44123-1404

Mortgage

Document Number	0006290502
Date	Jun 29, 2020
Instrument	6290502

Lender

Name	BANKERS GUARANTEE
Type	Funding / Finance Company
Address	MEDINA, OH 44256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2035

Tax Assessment & Valuation

Source: Cuyahoga County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
Municipality	Euclid City
Unified School District	Euclid City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,140.00 (+3.5%)	$61,640 (-) Land $8,860 Building $52,780
2024	$4,000.00 (+31.28%) Homeowner's exemption	$61,640 (+74.52%) Land $8,860 Building $52,780	$176,100 (+74.53%) Land $25,300 Building $150,800
2023	$3,047.00 (+2.32%) Homeowner's exemption	$35,320 (-) Land $6,480 Building $28,840
2022	$2,978.00 Homeowner's exemption	$35,320 Land $6,480 Building $28,840
2021			$100,900 Land $18,500 Building $82,400

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.

Flood

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 Claims	1 (1978)
Most Recent Claim	Sep 1978 · rainfall accumulation

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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLEVELAND PUBLIC WATER SYSTEM serves 1,308,955 people · EPA ID OH1801212
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 782 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile USA.

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