Ashtabula County property record for 45 S Cedar St, Geneva, OH 44041
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,308 sqft · built 1920 |
| Lot Size | 0.194 acres (8,451 sqft) |
| Owner | Company Name on File |
| Last Sale | $88,700 (Aug 2026) |
| Tax Bill | $2,850 (2025) |
| Deeds & Mortgages | Aug 2026 Foreclosure Jun 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-018-00-138-00 |
| Primary APN | 20-018-00-138-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,308 sqft Living Area |
| Gross Area | 1,648 sqft |
| 1st Floor Area | 484 sqft |
| Basement Area | 340 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 8,451 sqft (0.194 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| View / Lot | Neighborhood / Spot |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 45 S CEDAR ST |
|---|---|
| City | GENEVA |
| State | OH |
| Zip | 44041-1369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 |
| Legal Subdivision | CONNECTICUT WESTERN RESERVE SU |
| Legal Lot Number | 2 |
| Jurisdiction | ASHTABULA OH |
| Township / Civil Division | GENEVA |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 802 |
45 S Cedar St is owned by a company that bought it in August 2026.
Source: Ashtabula County records, as of September 3, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 7257 VILLAGE DR, CONCORD TOWNSHIP, OH 44060-6596 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Aug 25, 2026 | Sheriff's Deed, Foreclosure INSIGHT TITLE AGENCY/NY, INSIGHT TITLE |
| Jun 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 21, 2019 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Mar 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jul 17, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on File |
| Deed Sale | Aug 25, 2026 · Amount on File |
| Prior Sale | Feb 3, 2016 · Amount on File |
| Deed Document Number | 20268073 |
| Deed Book / Page | 878 / 2318 |
| Prior Transfer Date | Jun 29, 2017 |
| Prior Transfer Doc | 0000006887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Recording Date | Aug 25, 2026 |
| Property Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Document Number | 0000008073 |
| Book / Page | 878 / 2318 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 20268073 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 3, 2026 |
| Title Company | INSIGHT TITLE AGENCY/NY, INSIGHT TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $35,834.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 7257 VILLAGE DR, CONCORD TOWNSHIP, OH 44060-6596 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Property Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Document Number | 0000006279 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 773/687 |
| Instrument | 202200006279 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Property Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Document Number | 0000003412 |
| Instrument Date | Mar 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4811 WEBB RD PERRY OH 440818623, PERRY, OH 44081-8623 |
| Document Number | 0000003412 |
|---|---|
| Date | Apr 17, 2019 |
| Book Page | 000680/002655 |
| Instrument | 3412 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2049 |
| Rate | 5.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Property Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Document Number | 0000003393 |
| Instrument Date | Mar 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 4811 WEBB RD PERRY OH 440818623, PERRY, OH 44081-8623 |
| Document Number | 0000003393 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 000680/002511 |
| Instrument | 3393 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ASHTABULA OH |
| Recording Date | Jul 17, 2017 |
| Property Address | 45 S CEDAR ST, GENEVA, OH 44041-1369 |
| Document Number | 0000006887 |
| Book / Page | 000640 / 000139 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 6887 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8600 LAKE RD W GENEVA OH 44041, GENEVA, OH 44041 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 45 S Cedar St was $2,850, down 3.3% from the year before.
Source: Ashtabula County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ashtabula County |
| County Subdivision | Geneva Township |
| Municipality | Geneva City |
| Unified School District | Geneva Area City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,850.00 (-3.26%) | $34,940 (-) Land $7,180 Building $27,760 | $99,800 (-) Land $20,500 Building $79,300 |
| 2024 | $2,946.00 (+73.81%) | $34,940 (-) Land $7,180 Building $27,760 | $99,800 (-) Land $20,500 Building $79,300 |
| 2023 | $1,695.00 (+20.21%) Homeowner's exemption | $34,940 (+21.87%) Land $7,180 Building $27,760 | $99,800 Land $20,500 Building $79,300 |
| 2022 | $1,410.00 Homeowner's exemption | $28,670 Land $5,530 Building $23,140 | |
| 2020 | $81,900 Land $15,800 Building $66,100 |
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.
FEMA maps place 45 S Cedar 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1980–1986) |
| Most Recent Claim | Jun 1986 · river or lake 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 45 S Cedar St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | GENEVA CITY PWS serves 5,924 people · EPA ID OH0401712 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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