45 W Summit St, Chagrin Falls, OH 44022 Property Records

Cuyahoga County property record for 45 W Summit St, Chagrin Falls, OH 44022

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,342 sqft · built 1979
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jun 1988)
Tax Bill	$9,388 (2025)
Deeds & Mortgages	Jul 2022 Sale & Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`931-12-041`

Property Details

APN / Parcel Number

Primary APN	`931-12-041`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,342 sqft Living Area
Gross Area	3,707 sqft
1st Floor Area	1,237 sqft
2nd Floor Area	1,105 sqft
Basement Area	945 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	174 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	45 W SUMMIT ST
City	CHAGRIN FALLS
State	OH
Zip	44022-2724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-60
Legal Description	20 0106
Legal Subdivision	GRAVES ALLOTMENT
Legal Lot Number	106
Jurisdiction	CUYAHOGA OH
Township / Civil Division	CHAGRIN FALLS
Census Block Group	4
Census Block	4013
Census Tract	195900

Owner

45 W Summit St is owned and occupied by an individual who acquired it in March 2012.

Source: Cuyahoga County records, as of April 6, 2026

Owner of Record	Individual Name on File
Mailing Address	45 W SUMMIT ST, CHAGRIN FALLS, OH 44022-2724
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

Date	Document
Jul 18, 2022	Executor's Deed, Transfer · Line of Credit GUARANTEED RATE INC
May 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 1988 · Amount on File
Deed Sale	Jun 30, 1988 · Amount on File
Prior Sale	Jan 1, 1979
Deed Book / Page	83150 / 22
Last Transfer Date	Mar 27, 2012
Transfer Doc	0000000371
Record Updated	Oct 29, 2026

July 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Jul 18, 2022
Property Address	45 W SUMMIT ST, CHAGRIN FALLS, OH 44022-2724
Document Number	0000000521
Map Reference	VOL 2 PG 37
Instrument Date	Jul 13, 2022
Instrument	202207180521
Transaction Type	Transfer
Record Updated	Aug 26, 2022

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	45 W SUMMIT ST, CHAGRIN FALLS, OH 44022-2724

Mortgage

Document Number	0000000522
Date	Jul 18, 2022
Instrument	202207180522

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	45 W SUMMIT ST, CHAGRIN FALLS, OH 44022-2724
Document Number	0005300331
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	45 W SUMMIT ST CHAGRIN FALLS OH 440222724, CHAGRIN FALLS, OH 44022-2724

Mortgage

Document Number	0005300331
Date	May 30, 2018
Instrument	5300331

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 45 W Summit St was $9,388, down 1.1% from the year before.

Source: Cuyahoga County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
County Subdivision	Chagrin Falls Township
Municipality	Chagrin Falls Village
Unified School District	Chagrin Falls Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,388.00 (-1.14%) Homeowner's exemption	$154,000 (-0.01%) Land $25,515 Building $128,485	$440,000 (-) Land $72,900 Building $367,100
2024	$9,496.00 (-12.62%) Homeowner's exemption	$154,010 (+0.85%) Land $25,520 Building $128,490	$440,000 Land $72,900 Building $367,100
2023	$10,868.00 (+0.28%) Homeowner's exemption	$152,710 (-) Land $24,680 Building $128,030
2022	$10,838.00 Homeowner's exemption Senior Citizen's exemption	$152,710 Land $24,680 Building $128,030
2021			$436,300 Land $70,500 Building $365,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 W Summit St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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 Policies	2 in force
Nearby Flood Claims	2 (2021–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2025 · 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

Wildfire risk around 45 W Summit St is low, with less than 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	CHAGRIN FALLS VILLAGE PWS serves 4,991 people · EPA ID OH1800212
Water Source	Purchased surface water from CLEVELAND PUBLIC WATER SYSTEM
Last State Inspection	Oct 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	4 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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, Windstream.

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