445 River St, Madison, OH 44057 Property Records

Lake County property record for 445 River St, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1952
Lot Size	0.389 acres (16,988 sqft)
Owner	Owner Name on Record
Last Sale	$125,000 (Oct 2007)
Tax Bill	$4,782 (2023)
Deeds & Mortgages	Sep 2025 Transfer Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-A-007-0-00-022-0`

Property Details

APN / Parcel Number

Primary APN	`02-A-007-0-00-022-0`
Alternative APN	`13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,634 sqft Living Area
1st Floor Area	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	220 ft deep x 75 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	288 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	13
Street Address	445 RIVER ST
City	MADISON
State	OH
Zip	44057-9566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	LOT 89 & 90 TRACT 1
Legal Subdivision	VILLAGE/MADISON 01
Legal Tract	1
Legal Lot Number	89-90 90
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1003
Census Tract	206100

Owner

Source: Lake County records, as of April 25, 2024

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

Owner of Record	Owner Name on Record
Mailing Address	445 RIVER ST, MADISON, OH 44057-9566
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Transfer on Death Deed, Transfer
Jan 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2007 · Amount on Record
Deed Sale	Oct 11, 2007 · Amount on Record
Prior Sale	Aug 1, 2007 · Amount on Record
Deed Document Number	3672
Record Updated	Sep 20, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Sep 8, 2025
Property Address	445 RIVER ST, MADISON, OH 44057-9566
Document Number	0000019575
Instrument Date	Sep 3, 2025
Instrument	2025R019575
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RIVER ST, MADISON, OH 44057-9566

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	445 RIVER ST, MADISON, OH 44057-9566
Document Number	0000002922
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RIVER ST MADISON OH 440579566, MADISON, OH 44057-9566

Mortgage

Document Number	0000002922
Date	Feb 6, 2018
Instrument	2922

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 5, 2033

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Madison Township
Municipality	Madison Village
Unified School District	Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,782.00 (+79.17%) Homeowner's exemption	$46,450 (-) Land $8,600 Building $37,850
2022	$2,669.00 Homeowner's exemption	$46,450 Land $8,600 Building $37,850
2021			$132,700 Land $24,570 Building $108,130

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 14, 2025 · 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	9 in force
Nearby Flood Claims	16 (1986–2023)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Aug 2023 · river or lake flooding
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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