5910 Clay St, Madison, OH 44057 Property Records

Geauga County property record for 5910 Clay St, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,244 sqft · built 2000
Lot Size	12.4 acres (540,144 sqft)
Owner	Individual Name on File
Tax Bill	$4,120 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-045080`

Property Details

APN / Parcel Number

Primary APN	`30-045080`
Alternative APN	`002661-9`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
1st Floor Area	2,244 sqft
Attic	Attic
Attic Area	2,244 sqft
Basement Area	2,244 sqft
Unfinished Basement	2,244 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	540,144 sqft (12.4 acres)
Porch	Slab
Porch Area	407 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	002661-9
Street Address	5910 CLAY ST
City	MADISON
State	OH
Zip	44057-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 7
Legal Subdivision	THOMPSON TOWNSHIP
Legal Lot Number	7
Jurisdiction	GEAUGA OH
Township / Civil Division	THOMPSON
Census Block Group	2
Census Block	2002
Census Tract	310100

Owner

5910 Clay St is owned and occupied by an individual who acquired it in April 2024.

Source: Geauga County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	5910 CLAY ST, MADISON, OH 44057-9406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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 15, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK/PINCKNEYVILLE
Jul 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
May 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK
Sep 18, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 1990
Deed Sale	Jan 1, 1990
Last Transfer Date	Apr 5, 2024
Transfer Doc	0021862183
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Recording Date	Jun 15, 2026
Property Address	5910 CLAY ST, MADISON, OH 44057-9406
Document Number	0001048059
Book / Page	2223 / 127
Instrument Date	Jun 6, 2026
Instrument	20261048059
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	5910 CLAY ST, MADISON, OH 44057-9406

Mortgage

Document Number	0001048059,
Date	Jun 15, 2026
Book Page	2223/127
Instrument	20261048059

Lender

Name	FIRST NATIONAL BANK/PINCKNEYVILLE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Jun 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	5910 CLAY ST, MADISON, OH 44057-9406
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5910 CLAY ST, MADISON, OH 44057-9406

Mortgage

Document Number	0021560661
Date	Jul 29, 2022
Book Page	2156/661
Instrument	202201003032

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	MENTOR, OH 44060

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 16, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	5910 CLAY ST, MADISON, OH 44057-9406
Document Number	0000963446
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5910 CLAY ST MADISON OH 440579406, MADISON, OH 44057-9406

Mortgage

Document Number	0000963446
Date	May 12, 2020
Instrument	963446

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	CHARDON, OH 44024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	264 Months
Due	May 11, 2042

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	5910 CLAY ST, MADISON, OH 44057-9406
Document Number	0020392100
Book / Page	002039 / 002100
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5910 CLAY ST MADISON OH 440579406, MADISON, OH 44057-9406

Mortgage

Document Number	0020392100
Date	Sep 22, 2017
Book Page	002039/002100
Instrument	926489

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 21, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 5910 Clay St was $4,120 with a homeowner's exemption, down 5.3% from the year before.

Source: Geauga County assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Geauga County
County Subdivision	Thompson Township
Unified School District	Berkshire Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,120.00 (-5.33%)	$106,910 (-) Land $20,980 Building $85,930
2024	$4,352.00 (+0.65%) Homeowner's exemption	$106,910 (-0.02%) Land $20,980 Building $85,930
2023	$4,324.00 Homeowner's exemption	$106,930 (+38.42%) Land $21,000 Building $85,930	$305,440 Land $59,940 Building $245,500
2022		$77,250 Land $17,710 Building $59,540
2021	$3,395.00
2020			$220,700 Land $50,600 Building $170,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5910 Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 5910 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	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Zito Media.

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