4646 E 86th St, Garfield Heights (Cleveland), OH 44125 Property Records

Cuyahoga County property record for 4646 E 86th St, Garfield Heights, OH 44125

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 2 ba · 1,872 sqft · built 1927
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Trust Names on File
Last Sale	$180,000 (Dec 2025)
Tax Bill	$3,739 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`541-09-066`

Property Details

APN / Parcel Number

Primary APN	`541-09-066`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	2,790 sqft
1st Floor Area	936 sqft
2nd Floor Area	936 sqft
Basement Area	918 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	4646 E 86TH ST
City	GARFIELD HTS
State	OH
Zip	44125-1330
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	U-2
Legal Description	480 GARFPKY 0011 ALL
Legal Subdivision	GARFPKY
Legal Lot Number	11
Jurisdiction	CUYAHOGA OH
Township / Civil Division	GARFIELD HEIGHTS
Census Block Group	2
Census Block	2005
Census Tract	154100

Owner

4646 E 86th St, a residential property, is held in a trust since December 2025.

Source: Cuyahoga County records, as of April 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	19040 117TH RD, SAINT ALBANS, NY 11412-3302
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Dec 16, 2025	Warranty Deed, Transfer · Conventional Mortgage TEXANA BANK NA
Oct 12, 2022	Warranty Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Prior Sale	Oct 12, 2022 · Amount on File
Deed Document Number	202566
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Dec 16, 2025
Property Address	4646 E 86TH ST, GARFIELD HEIGHTS, OH 44125-1330
Document Number	0000000066
Map Reference	VOL 79 PG 25
Instrument Date	Dec 10, 2025
Instrument	202512160066
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TTL PROFESSIONALS GROUP LTD

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
Relationship	Revocable Trust
Address	19040 117TH RD, SAINT ALBANS, NY 11412-3302

Mortgage

Document Number	0000000067
Date	Dec 16, 2025
Instrument	202512160067

Lender

Name	TEXANA BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Oct 12, 2022
Property Address	4646 E 86TH ST, GARFIELD HEIGHTS, OH 44125-1330
Document Number	0000000253
Map Reference	VOL 79 PG 25
Instrument Date	Sep 20, 2022
Instrument	202210120253
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	TITLE PROFESSIONALS GROUP

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	323 THRUSH ST, SAN DIEGO, CA 92114-4126

Mortgage

Document Number	0000000254
Date	Oct 12, 2022
Instrument	202210120254

Lender

Name	LOAN FUNDER LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10022

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4646 E 86th St was $3,739, down 9.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,739.00 (-9.49%)	$42,630 (-) Land $7,700 Building $34,930	$121,800 (-) Land $22,000 Building $99,800
2024	$4,131.00 (+26.56%)	$42,630 (+55.53%) Land $7,700 Building $34,930	$121,800 Land $22,000 Building $99,800
2023	$3,264.00 (+2.67%)	$27,410 (-) Land $5,250 Building $22,160
2022	$3,179.00 Homeowner's exemption	$27,410 Land $5,250 Building $22,160
2021			$78,300 Land $15,000 Building $63,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4646 E 86th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4646 E 86th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 1,024 locations within half a mile, as of December 31, 2025

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

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

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