4657 E 85th St, Garfield Heights (Cleveland), OH 44125 Property Records

Cuyahoga County property record for 4657 E 85th St, Garfield Heights, OH 44125

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1931
Lot Size	0.106 acres (4,600 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Jun 2026)
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`541-09-089`

Property Details

APN / Parcel Number

Primary APN	`541-09-089`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,656 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1952
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,600 sqft (0.106 acres)
Lot Dimensions	115 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	144 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	4657 E 85TH ST
City	CLEVELAND
State	OH
Zip	44125-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U-2
Legal Description	480 WALTON 0356 ALL
Legal Subdivision	GARFIELD BLVD
Legal Lot Number	356
Jurisdiction	CUYAHOGA OH
Township / Civil Division	GARFIELD HEIGHTS
Census Block Group	2
Census Block	2005
Census Tract	154100

Owner

4657 E 85th St is owned by an individual who bought it in June 2026.

Source: Cuyahoga County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	8824 ARROWHEAD CT, SANTEE, CA 92071-2431
Owner Type	Individual
Vesting	Remainderman

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
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOODLOANS INC
Jan 21, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MTG
Sep 25, 2019	Grant Deed, Construction Loan · Construction Mortgage PRIVATE INDIVIDUAL
Dec 21, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Jan 21, 2020 · Amount on File
Deed Document Number	2026185
Prior Transfer Date	Nov 24, 1980
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Jun 2, 2026
Property Address	4657 E 85TH ST, CLEVELAND, OH 44125-1325
Document Number	0000000185
Instrument Date	May 18, 2026
Instrument	2026185
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	BEELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,016.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	8824 ARROWHEAD CT, SANTEE, CA 92071-2431

Mortgage

Document Number	0000000660,
Date	Jun 2, 2026
Instrument	20262660

Lender

Name	NEIGHBORHOODLOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Jan 21, 2020
Property Address	4657 E 85TH ST, GARFIELD HEIGHTS, OH 44125-1325
Document Number	0001210845
Instrument Date	Jan 9, 2020
Instrument	1210845
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	GOLDEN EAGLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2906 MOUNTAIN SKY DR CASTLE ROCK CO 801043329, CASTLE ROCK, CO 80104-3329

Mortgage

Document Number	1210846
Date	Jan 21, 2020
Instrument	1210846

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2050

September 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Sep 25, 2019
Property Address	4657 E 85TH ST, GARFIELD HEIGHTS, OH 44125-1325
Document Number	0009250375
Instrument Date	Aug 5, 2019
Instrument	9250375
Transaction Type	Construction Loan
Record Updated	Oct 11, 2019
Title Company	OMEGA TITLE SERVICES, OMEGA TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1650 S DIXIE HWY #102 BOCA RATON FL 334327461, 102, BOCA RATON, FL 33432-7461
Investor	Possibly a Property Investor

Mortgage

Document Number	9250376
Date	Sep 25, 2019
Instrument	9250376

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	EASTLAKE, OH 44095

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 24, 2020

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Dec 21, 2018
Property Address	4657 E 85TH ST, GARFIELD HEIGHTS, OH 44125-1325
Document Number	0012210522
Instrument Date	Nov 19, 2018
Instrument	12210522
Transaction Type	Foreclosure
Record Updated	Jan 16, 2019

Transaction

Amount	Amount on Record
Tax	$121.60
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441

Tax Assessment & Valuation

The 2025 property tax bill for 4657 E 85th St was $2,509, down 10.4% 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	$2,509.00 (-10.42%)	$28,910 (-) Land $7,560 Building $21,350	$82,600 (-) Land $21,600 Building $61,000
2024	$2,801.00 (+34.4%)	$28,910 (+65.48%) Land $7,560 Building $21,350	$82,600 Land $21,600 Building $61,000
2023	$2,084.00 (+1.71%)	$17,470 (-) Land $5,180 Building $12,290
2022	$2,049.00	$17,470 Land $5,180 Building $12,290
2021			$49,900 Land $14,800 Building $35,100

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 4657 E 85th 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 4657 E 85th 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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