5186 Clay St, Geneva, OH 44041 Property Records

Ashtabula County property record for 5186 Clay St, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,182 sqft · built 1948
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$216,500 (Oct 2026)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone A (high risk)
APN	`22-002-00-009-00`

Property Details

APN / Parcel Number

Primary APN	`22-002-00-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,182 sqft Living Area
1st Floor Area	788 sqft
Upper Floors Area	394 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1960
Architectural Style	Old Style
Exterior Material	Vinyl/Wood
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	90 sqft
Patio Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5186 CLAY ST
City	GENEVA
State	OH
Zip	44041-9117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22
Legal Subdivision	HARPERSFIELD
Legal Lot Number	22
Jurisdiction	ASHTABULA OH
Township / Civil Division	HARPERSFIELD
Census Block Group	4
Census Block	4034
Census Tract	802

Owner

5186 Clay St is owned and occupied by an individual who bought it in October 2026.

Source: Ashtabula County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	5186 CLAY ST, GENEVA, OH 44041-9117
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
Oct 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FINANCIAL CORPORATION
Dec 13, 2022	Warranty Deed, Transfer ENTERPRISE TITLE
Nov 29, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 11, 2019	Deed of Trust, Mortgage LAKEVIEW FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2026 · Amount on File
Deed Sale	Oct 9, 2026 · Amount on File
Prior Sale	Dec 13, 2022 · Amount on File
Deed Document Number	20269591
Deed Book / Page	882 / 992
Prior Transfer Date	Oct 1, 2004
Prior Transfer Doc	0000018145
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Oct 9, 2026
Property Address	5186 CLAY ST, GENEVA, OH 44041-9117
Document Number	0000009591
Book / Page	882 / 992
Instrument Date	Sep 30, 2026
Instrument	20269591
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	TITLE PROFESSIONALS, TITLE PROFESSIONALS GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,466.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5186 CLAY ST, GENEVA, OH 44041-9117

Mortgage

Document Number	0000009592,
Date	Oct 9, 2026
Book Page	882/995
Instrument	20269592

Lender

Name	FINANCIAL CORPORATION

Agreement

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

Interest

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

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Dec 13, 2022
Property Address	5186 CLAY ST, GENEVA, OH 44041-9117
Document Number	0000013099
Book / Page	786 / 2129
Instrument Date	Dec 8, 2022
Instrument	2022-00013099
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount 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	5186 CLAY ST, GENEVA, OH 44041-9117

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Nov 29, 2021
Property Address	5186 CLAY ST, GENEVA, OH 44041-9117
Document Number	0000014735
Book / Page	757 / 1188
Map Reference	MF 412-1031
Instrument Date	Nov 23, 2021
Instrument	202100014735
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LT

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	5186 CLAY ST, GENEVA, OH 44041-9117

Mortgage

Document Number	0007571191
Date	Nov 29, 2021
Instrument	757/1191

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	5186 CLAY ST, GENEVA, OH 44041-9117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002212
Date	Mar 11, 2019
Book Page	678/1985
Instrument	201900002212

Lender

Name	LAKEVIEW FCU
Type	Credit Union
Address	ASHTABULA, OH 44005

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 5186 Clay St was $3,152.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Harpersfield Township
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,152.00	$39,410 Land $10,570 Building $28,840	$112,600 Land $30,200 Building $82,400
2023	$1,787.00 (+32.47%) Homeowner's exemption	$39,410 (+37.32%) Land $10,570 Building $28,840	$112,600 Land $30,200 Building $82,400
2022	$1,349.00 Homeowner's exemption	$28,700 Land $8,120 Building $20,580
2020			$82,000 Land $23,200 Building $58,800

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 5186 Clay St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 5186 Clay St is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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