7085 Cedar St, Chagrin Falls, OH 44022 Property Records

Geauga County property record for 7085 Cedar St, Chagrin Falls, OH 44022

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,771 sqft · built 1900
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Aug 2022)
Tax Bill	$8,867 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-013760`

Property Details

APN / Parcel Number

Primary APN	`03-013760`
Alternative APN	`003900-9`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,771 sqft Living Area
1st Floor Area	1,136 sqft
Upper Floors Area	536 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	003900-9
Street Address	7085 CEDAR ST
City	CHAGRIN FALLS
State	OH
Zip	44022-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 TR 1
Legal Subdivision	CEDAR STREET AT
Legal Tract	1
Legal Lot Number	48
Jurisdiction	GEAUGA OH
Township / Civil Division	BAINBRIDGE
Census Block Group	1
Census Block	1001
Census Tract	311700

Owner

7085 Cedar St is owned and occupied by an individual who acquired it in September 2023.

Source: Geauga County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
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
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage CIVISTA BANK
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 27, 2023	Intrafamily Transfer, Transfer
Aug 11, 2022	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2022 · Amount on File
Deed Sale	Aug 11, 2022 · Amount on File
Prior Sale	Aug 15, 1989 · Amount on File
Deed Document Number	20221003567
Deed Book / Page	2156 / 3364
Last Transfer Date	Sep 22, 2023
Transfer Doc	0021752093
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402

Mortgage

Document Number	0022181729
Date	Mar 31, 2026
Book Page	2218/1729
Instrument	202601045322

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	ENTERPRISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402

Mortgage

Document Number	0022090509
Date	Sep 30, 2025
Book Page	2209/509
Instrument	202501039281

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GEAUGA OH
Property Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402

Mortgage

Document Number	0021780217
Date	Nov 20, 2023
Book Page	2178/217
Instrument	202301018081

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 8, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GEAUGA OH
Recording Date	Sep 27, 2023
Property Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
Document Number	0021752093
Book / Page	2175 / 2093
Instrument Date	Sep 22, 2023
Instrument	202301016386
Transaction Type	Transfer
Record Updated	Oct 12, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GEAUGA OH
Recording Date	Aug 11, 2022
Property Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402
Document Number	0021563364
Book / Page	2156 / 3364
Instrument Date	Aug 9, 2022
Instrument	202201003567
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 CEDAR ST, CHAGRIN FALLS, OH 44022-3402

Mortgage

Document Number	202201003568
Date	Aug 11, 2022
Instrument	202201003568

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 7085 Cedar St was $8,867 with a homeowner's exemption, down 0.7% 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	Bainbridge Township
Unified School District	Chagrin Falls Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,867.00 (-0.67%)	$139,030 (-) Land $28,600 Building $110,430
2024	$8,927.00 (-2.06%) Homeowner's exemption	$139,030 (-) Land $28,600 Building $110,430
2023	$9,115.00 Homeowner's exemption	$139,030 (+56.14%) Land $28,600 Building $110,430	$397,200 Land $81,700 Building $315,500
2022		$89,040 Land $23,800 Building $65,240
2021	$6,747.00
2020			$254,400 Land $68,000 Building $186,400

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 7085 Cedar St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 Claims	2 (1978–2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2007 · 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

Wildfire risk around 7085 Cedar 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	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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Frontier, Verizon.

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