434 State Rd, Geneva, OH 44041 Property Records

Ashtabula County property record for 434 State Rd, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,138 sqft · built 1978
Lot Size	1.73 acres (75,559 sqft)
Owner	Individual Name on File
Last Sale	$145,950 (Mar 2020)
Tax Bill	$5,516 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-017-00-030-03`

Property Details

APN / Parcel Number

Primary APN	`22-017-00-030-03`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,138 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	1,100 sqft
Attic	Attic
Attic Area	120 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Frame
Lot Area	75,559 sqft (1.73 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	36 sqft
Deck Area	200 sqft
Patio Area	120 sqft
Balcony Area	38 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	434 STATE RD
City	GENEVA
State	OH
Zip	44041-9356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	118
Legal Subdivision	ASHTABULA
Legal Lot Number	118
Jurisdiction	ASHTABULA OH
Township / Civil Division	HARPERSFIELD
Census Block Group	1
Census Block	1020
Census Tract	1002

Owner

434 State Rd is owned and occupied by an individual who bought it in March 2020.

Source: Ashtabula County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	434 STATE RD, GENEVA, OH 44041-9356
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2020 · Amount on File
Deed Sale	Mar 11, 2020 · Amount on File
Prior Sale	Aug 13, 1998 · Amount on File
Deed Document Number	20202327
Deed Book / Page	704 / 440
Prior Transfer Date	Oct 14, 2015
Prior Transfer Doc	0000011038
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Mar 11, 2020
Property Address	434 STATE RD, GENEVA, OH 44041-9356
Document Number	0000002327
Book / Page	704 / 440
Map Reference	VOL 599 PG 1224
Instrument Date	Mar 9, 2020
Instrument	202000002327
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	NORTHSTAR TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	434 STATE RD, GENEVA, OH 44041-9356

Mortgage

Document Number	0007040444
Date	Mar 11, 2020
Instrument	704/0444

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 434 State Rd was $5,516.

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Harpersfield Township
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,516.00	$68,950 Land $9,100 Building $59,850	$197,000 Land $26,000 Building $171,000
2023	$3,062.00 (+31.36%) Homeowner's exemption	$68,950 (+38.62%) Land $9,100 Building $59,850	$197,000 Land $26,000 Building $171,000
2022	$2,331.00 Homeowner's exemption	$49,740 Land $7,000 Building $42,740
2020			$142,100 Land $20,000 Building $122,100

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

FEMA maps place 434 State Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1989.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1989–2008)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Feb 2008 · rainfall accumulation
Claims by Event	Severe Storms, Straight Line Winds, And Flooding, Jul 2006 · 2 claims

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

Wildfire risk around 434 State Rd 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Streets

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