7435 Harding St, Mentor, OH 44060 Property Records

Lake County property record for 7435 Harding St, Mentor, OH 44060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,196 sqft · built 1969
Lot Size	0.394 acres (17,202 sqft)
Owner	Individual Name on Record
Tax Bill	$8,379 (2023)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`16-C-070-C-00-009-0`

Property Details

APN / Parcel Number

Primary APN	`16-C-070-C-00-009-0`
Alternative APN	`I 77`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,196 sqft Living Area
1st Floor Area	924 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	17,202 sqft (0.394 acres)
Lot Dimensions	215 ft deep x 80 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Patio Area	576 sqft
Balcony	Balcony
Balcony Area	60 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	I 77
Street Address	7435 HARDING ST
City	MENTOR
State	OH
Zip	44060-4707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	BLAKE LOT TRACT 5
Legal Subdivision	WESTERN RESERVE ESTATES 2
Legal Tract	5
Legal Lot Number	80
Jurisdiction	LAKE OH
Township / Civil Division	MENTOR
Census Block Group	3
Census Block	3001
Census Tract	203000

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	7435 HARDING ST, MENTOR, OH 44060-4707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 15, 2019	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK
Jun 21, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Mar 31, 2011 · Amount on Record
Last Transfer Date	Jun 21, 2019
Transfer Doc	0000014095
Record Updated	Jun 7, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	7435 HARDING ST, MENTOR, OH 44060-4707
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003207
Date	Jan 29, 2021
Instrument	2021R003207

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	7435 HARDING ST, MENTOR, OH 44060-4707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010702
Date	May 15, 2019
Instrument	2019R010702

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Jun 21, 2019
Property Address	7435 HARDING ST, MENTOR, OH 44060-4707
Document Number	0000014095
Instrument Date	Jun 13, 2019
Instrument	14095
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7435 HARDAY ST MENTOR OH 44060, MENTOR, OH 44060

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Mentor City
Unified School District	Mentor Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$8,379.00 (+125.61%) Homeowner's exemption	$80,640 (-) Land $18,140 Building $62,500
2022	$3,714.00 Homeowner's exemption	$80,640 Land $18,140 Building $62,500
2021			$230,400 Land $51,830 Building $178,570

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jul 2013 · other causes

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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 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	AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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