654 W Main St, Geneva, OH 44041 Property Records

Ashtabula County property record for 654 W Main St, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,749 sqft · built 1910
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Jun 2023)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-002-00-004-00`

Property Details

APN / Parcel Number

Primary APN	`20-002-00-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,749 sqft Living Area
Gross Area	2,257 sqft
1st Floor Area	1,054 sqft
Upper Floors Area	527 sqft
Basement Area	168 sqft
Wine Cellar	Wine Cellar

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	140 ft deep x 94 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	490 sqft
Patio Area	72 sqft
Canopy	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	654 W MAIN ST
City	GENEVA
State	OH
Zip	44041-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16 S OF RIDGE
Legal Subdivision	GENEVA SEC 02
Legal Lot Number	16
Jurisdiction	ASHTABULA OH
Township / Civil Division	GENEVA
Census Block Group	5
Census Block	5007
Census Tract	900

Owner

654 W Main St is owned and occupied by an individual who bought it in June 2023.

Source: Ashtabula County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	654 W MAIN ST, GENEVA, OH 44041-1215
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage T2 FINANCIAL LLC
Jun 15, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 8, 2022	Transfer on Death Deed, Transfer
Feb 8, 2022	Affidavit of Death of Joint Tenant, Transfer
Feb 16, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2023 · Amount on File
Deed Sale	Jun 15, 2023 · Amount on File
Deed Document Number	20235224
Deed Book / Page	797 / 1629
Prior Transfer Date	Feb 7, 2022
Prior Transfer Doc	0000001408
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 W MAIN ST, GENEVA, OH 44041-1215

Mortgage

Document Number	0000006388
Date	Jun 15, 2022
Book Page	773/1200
Instrument	202200006388

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011205
Date	Oct 17, 2022
Book Page	783/303
Instrument	2022-00011205

Lender

Name	T2 FINANCIAL LLC
Address	WESTERVILLE, OH 43082

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Jun 15, 2023
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Document Number	0000005224
Book / Page	797 / 1629
Map Reference	VOL 763 PG 775
Instrument Date	Jun 13, 2023
Instrument	2023-00005224
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 W MAIN ST, GENEVA, OH 44041-1215

Mortgage

Document Number	0007971633
Date	Jun 15, 2023
Instrument	797/1633

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ASHTABULA OH
Recording Date	Feb 8, 2022
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Document Number	0000001409
Book / Page	763 / 775
Instrument Date	Jan 31, 2022
Instrument	202200001409
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ASHTABULA OH
Recording Date	Feb 8, 2022
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Document Number	0000001408
Book / Page	763 / 772
Instrument Date	Jan 31, 2022
Instrument	202200001408
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ASHTABULA OH
Recording Date	Feb 16, 2021
Property Address	654 W MAIN ST, GENEVA, OH 44041-1215
Document Number	0000001724
Book / Page	731 / 367
Instrument Date	Feb 11, 2021
Instrument	202100001724
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 654 W Main St was $4,442.

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Geneva Township
Municipality	Geneva City
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,442.00	$54,460 Land $9,870 Building $44,590	$155,600 Land $28,200 Building $127,400
2023	$2,209.00 (+31.72%) Homeowner's exemption	$54,460 (+27.01%) Land $9,870 Building $44,590	$155,600 Land $28,200 Building $127,400
2022	$1,677.00 Homeowner's exemption	$42,880 Land $7,210 Building $35,670
2020			$122,500 Land $20,600 Building $101,900

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

FEMA maps place 654 W Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · 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 Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 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

Wildfire risk around 654 W Main St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GENEVA CITY PWS serves 5,924 people · EPA ID OH0401712
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GreatWave Communications.

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