6401 River Rd, Madison, OH 44057 Property Records

Lake County property record for 6401 River Rd, Madison, OH 44057

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 2 ba · 1,649 sqft · built 1970
Lot Size	8.1 acres (353,054 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Nov 2000)
Tax Bill	$7,520 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-A-029-0-00-009-0`

Property Details

APN / Parcel Number

Primary APN	`01-A-029-0-00-009-0`
Alternative APN	`73`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,649 sqft Total Area
1st Floor Area	1,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Bungalow
Exterior Material	Brick
Lot Area	353,054 sqft (8.1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	60 sqft
Patio Area	200 sqft
Canopy	160 sqft
Pole Barn	552 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Electric

Location & Zoning

Account Number	73
Street Address	6401 RIVER RD
City	MADISON
State	OH
Zip	44057-9760
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	A-1
Legal Description	LOT 8 TRACT 7 & 8
Legal Subdivision	MADISON TOWNSHIP 07 08 & 10
Legal Tract	7
Legal Lot Number	8 10
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1012
Census Tract	205800

Owner

Source: Lake County records, as of April 25, 2024

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

Owner of Record	2 Individual Names on Record
Mailing Address	6401 RIVER RD, MADISON, OH 44057-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage CENTRAL MORTGAGE FUNDING LLC
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage CENTRAL MORTGAGE FUNDING LLC
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 19, 2018	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Aug 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2000 · Amount on Record
Deed Sale	Nov 8, 2000 · Amount on Record
Prior Sale	Aug 27, 2018
Deed Document Number	0000040809
Deed Book / Page	01
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032457
Date	Sep 15, 2021
Instrument	2021R032457

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032456
Date	Sep 15, 2021
Instrument	2021R032456

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024183
Date	Oct 3, 2019
Instrument	2019R024183

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 23, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Document Number	0000028188
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6401 RIVER RD MADISON OH 440579760, MADISON, OH 44057-9760

Mortgage

Document Number	0000028188
Date	Nov 2, 2018
Instrument	28188

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 27, 2018
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Document Number	0000021657
Instrument Date	Aug 27, 2018
Instrument	21657
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6401 RIVER RD MADISON OH 440579760, MADISON, OH 44057-9760

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 27, 2018
Property Address	6401 RIVER RD, MADISON, OH 44057-9760
Document Number	0000021658
Instrument Date	Aug 27, 2018
Instrument	21658
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6401 RIVER RD MADISON OH 440579760, MADISON, OH 44057-9760

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Madison Township
Unified School District	Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$7,520.00 (+79.78%) Homeowner's exemption	$67,660 (-) Land $20,840 Building $46,820
2022	$4,183.00 Homeowner's exemption	$67,660 Land $20,840 Building $46,820
2021			$193,320 Land $59,540 Building $133,780

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 December 14, 2025 · 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	3 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Oct 2022 · rainfall accumulation

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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