6430 River Rd, Madison, OH 44057 Property Records

Lake County property record for 6430 River Rd, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,563 sqft · built 1978
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jan 2012)
Tax Bill	$8,883 (2023)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-A-029-A-00-012-0`

Property Details

APN / Parcel Number

Primary APN	`01-A-029-A-00-012-0`
Alternative APN	`53`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,563 sqft Living Area
Gross Area	3,135 sqft
1st Floor Area	953 sqft
Basement Area	1,172 sqft
Finished Basement	600 sqft
Unfinished Basement	572 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Contemporary
Exterior Material	Wood Siding
Lot Area	48,352 sqft (1.11 acres)
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Pool Area	576 sqft
Deck Area	30 sqft
Patio Area	686 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Oil

Location & Zoning

Account Number	53
Street Address	6430 RIVER RD
City	MADISON
State	OH
Zip	44057-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TRACT 10
Legal Subdivision	MADISON PALISADES
Legal Tract	10
Legal Lot Number	12
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1013
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	Individual Name on Record
Mailing Address	6430 RIVER RD, MADISON, OH 44057-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2012 · Amount on Record
Deed Sale	Jan 24, 2012 · Amount on Record
Prior Sale	Feb 12, 2004
Deed Document Number	182
Record Updated	Jun 7, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	6430 RIVER RD, MADISON, OH 44057-9760
Document Number	0000021408
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6430 RIVER RD MADISON OH 440579760, MADISON, OH 44057-9760

Mortgage

Document Number	0000021408
Date	Sep 6, 2019
Instrument	21408

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 5, 2059

Interest

Rate Type	Adjustable Rate

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	$8,883.00 (+81.77%) Homeowner's exemption	$79,920 (-) Land $13,720 Building $66,200
2022	$4,887.00 Homeowner's exemption	$79,920 Land $13,720 Building $66,200
2021			$228,340 Land $39,210 Building $189,130

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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