6431 E Sprague Rd, Independence, OH 44131 Property Records

Cuyahoga County property record for 6431 E Sprague Rd, Independence, OH 44131 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1962
Square Footage	1,550 sqft Living Area
Lot Size	38,027 sqft (0.872 acres)
Occupancy	Owner Occupied
Last Sale	$155,000 (1998)
Tax Bill	$4,501.00 (2025)

Owner

Source: Cuyahoga County records · APN 563-26-032

Assessment roll updated August 1, 2025 · Last verified March 2026

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

Owner of Record	2 Owner Names on File
Mailing Address	6431 E SPRAGUE RD, INDEPENDENCE, OH 44131-6545
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 1998 · Amount on Record
Deed Sale	Jul 06, 1998 · Amount on Record
Deed Doc Number	0000852841
Deed Book / Page	8528 / 41
Record Refreshed	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	6431 E SPRAGUE RD, INDEPENDENCE, OH 44131-6545
Document Number	0010090440
Instrument Date	Sep 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6431 E SPRAGUE RD INDEPENDENCE OH 441316545, INDEPENDENCE, OH 44131-6545

Mortgage

Document Number	0010090440
Date	Oct 09, 2020
Instrument	10090440

Lender

Name	FEDERAL S&L ASSN/CLEVELAND
Type	Federal Savings Bank (FSB)
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 08, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cuyahoga County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
Municipality	Independence City
Unified School District	Independence Local School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,501.00 (-3.47%) Homeowner's exemption	$97,510 (-) Land $15,610 Building $81,900
2024	$4,663.00 (+24.65%) Homeowner's exemption	$97,510 (+37.16%) Land $15,610 Building $81,900	$278,600 (+37.17%) Land $44,600 Building $234,000
2023	$3,741.00 (+0.54%) Homeowner's exemption	$71,090 (-) Land $17,750 Building $53,340
2022	$3,721.00 Homeowner's exemption	$71,090 Land $17,750 Building $53,340
2021			$203,100 Land $50,700 Building $152,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cuyahoga County (39035C), updated December 16, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 64% of Ohio
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`563-26-032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,550 sqft Living Area
1st Floor	1,037 sqft 1st Floor
2nd Floor	513 sqft 2nd Floor
Basement Area	1,026 sqft Basement
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1962
Architectural Style	Cape Cod Style
Exterior Material	Brick Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	38,027 sqft (0.872 acres)
Depth X Width	541 ft x 78 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Shed	1 Shed
Shed Area	196 sqft Shed
Deck Area	480 sqft Deck

Utilities and HVAC

Cooling System	None Cooling
Heating System	Forced Air Heating
Sewage	Septic Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	6431 E SPRAGUE RD
City	INDEPENDENCE
State	OH
Zip	44131-6545
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	40 MB563 PG26 MB08528 PG0041
Legal Subdivision	INDEPENDENCE
Legal Lot Number	40
Jurisdiction	CUYAHOGA OH
Minor Civil Division	INDEPENDENCE
Census Blockgroup	2
Census Block	2010
Census Tract	156102