Lake County property record for 5546 Saint Thomas Ln, Madison, OH 44057
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 2003 |
| Lot Size | 0.04 acres (1,758 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,900 (Aug 2026) |
| Tax Bill | $5,882 (2023) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-B-129-B-00-047-0 |
| Primary APN | 01-B-129-B-00-047-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 314 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,758 sqft (0.04 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 21 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5546 SAINT THOMAS LN, 15/41 |
|---|---|
| City | MADISON |
| State | OH |
| Zip | 44057-1799 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOT 15 TRACT 4 |
| Legal Subdivision | THE RETREAT AT CHAPEL COVE CONDO |
| Legal Tract | 4 |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | MADISON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 205701 |
5546 Saint Thomas Ln is owned by an individual who bought it in August 2026.
Source: Lake County records, as of August 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5546 SAINT THOMAS LN, 41, MADISON, OH 44057-1799 |
| 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.
| Date | Document |
|---|---|
| Aug 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| May 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 1, 2021 | Warranty Deed, Transfer ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | May 17, 2022 · Amount on File |
| Deed Document Number | 202617738 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 7, 2026 |
| Property Address | 5546 SAINT THOMAS LN, 15/41, MADISON, OH 44057-1799 |
| Document Number | 0000017738 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202617738 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | INFINITY HM TITLE, INFINITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94,899.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000017739, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 202617739 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 17, 2022 |
| Property Address | 5546 SAINT THOMAS LN, MADISON, OH 44057-1799 |
| Document Number | 0000014253 |
| Map Reference | VOL 45 PG 33 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022R014253 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2022 |
| Title Company | ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5546 SAINT THOMAS LN # 41, 41, MADISON, OH 44057-1799 |
| Document Number | 0000014254 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 2022R014254 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 1, 2021 |
| Property Address | 5546 SAINT THOMAS LN, MADISON, OH 44057-1799 |
| Document Number | 0000022636 |
| Map Reference | VOL 45 PG 33 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021R022636 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2021 |
| Title Company | ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5546 SAINT THOMAS LN # 41, 41, MADISON, OH 44057-1799 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| County Subdivision | Madison Township |
| Unified School District | Madison Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $65,260 Land $17,640 Building $47,620 | $186,460 Land $50,400 Building $136,060 | |
| 2023 | $5,882.00 (+116.41%) Homeowner's exemption | $52,920 (-) Land $14,700 Building $38,220 | |
| 2022 | $2,718.00 Homeowner's exemption Senior Citizen's exemption | $52,920 Land $14,700 Building $38,220 | |
| 2021 | $151,210 Land $42,000 Building $109,210 |
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.
FEMA maps place 5546 Saint Thomas Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 5 (1984–2006) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 2006 · Severe Storms, Straight Line Winds, And 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 risk around 5546 Saint Thomas Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE COUNTY EAST WATER SUBDISTRICT serves 40,656 people · EPA ID OH4302911 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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