4699 Lake Rd E, Unit 406, Geneva, OH 44041 Property Records

Ashtabula County property record for 4699 Lake Rd E, Unit 406, Geneva, OH 44041

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,318 sqft · built 2009
Lot Size	0.054 acres (2,380 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Nov 2022)
Tax Bill	$13,001 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-018-10-406-00`

Property Details

APN / Parcel Number

Primary APN	`21-018-10-406-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Units	100 Units
Stories	1 Story
Building Area	2,318 sqft Living Area
1st Floor Area	2,318 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Lot Area	2,380 sqft (0.054 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4699 LAKE RD E, 406
City	GENEVA
State	OH
Zip	44041-7776
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LAKE ERIE VISTA CONDO UNIT 406 2.12765% INTEREST
Legal Subdivision	LAKE ERIE VISTA CONDO
Jurisdiction	ASHTABULA OH
Township / Civil Division	GENEVA
Census Block Group	1
Census Block	1001
Census Tract	801

Owner

Source: Ashtabula County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4699 LAKE RD E, 406, GENEVA, OH 44041-7776
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage KEMBA CREDIT UNION INC
Jul 30, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Jan 21, 2021	Warranty Deed, Transfer FRANKLIN BLAIR TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Prior Sale	Mar 22, 2011
Deed Document Number	202212720
Deed Book / Page	786 / 47
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Nov 30, 2022
Property Address	4699 LAKE RD E UNIT 406, 406, GENEVA, OH 44041-7776
Document Number	0000012720
Book / Page	786 / 47
Map Reference	VOL 20 PG 10-12
Instrument Date	Nov 18, 2022
Instrument	2022-00012720
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY

Transaction

Amount	Amount Recorded
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	4699 LAKE RD E UNIT 406, 406, GENEVA, OH 44041-7776

Mortgage

Document Number	0000078649
Date	Nov 30, 2022
Instrument	786/49

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year T-Bill
Max Rate	8.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	4699 LAKE RD E UNIT 406, 406, GENEVA, OH 44041-7776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007153
Date	Jul 30, 2019
Book Page	688/0142
Instrument	201900007153

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Jan 21, 2021
Property Address	4699 LAKE RD E UNIT 406, 406, GENEVA, OH 44041-7776
Document Number	0000000668
Book / Page	728 / 2615
Map Reference	VOL 20 PG 10-12
Instrument Date	Jan 18, 2021
Instrument	202100000668
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	FRANKLIN BLAIR TITLE AGENCY

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	8505 E TEMPLE DR UNIT 460, 460, DENVER, CO 80237-2542

Tax Assessment & Valuation

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Geneva Township
Municipality	Geneva-on-the-Lake Village
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,001.00 (+82.75%)	$155,820 (-) Land $22,750 Building $133,070	$445,200 (-) Land $65,000 Building $380,200
2023	$7,114.00 (+2.61%)	$155,820 (+12.51%) Land $22,750 Building $133,070	$445,200 (+12.51%) Land $65,000 Building $380,200
2022	$6,933.00	$138,500 Land $17,500 Building $121,000
2020			$395,700 Land $50,000 Building $345,700

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 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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1988–2001)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Apr 2001 · tidal / storm surge

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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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