7451 Harding St, Mentor, OH 44060 Property Records

Lake County property record for 7451 Harding St, Mentor, OH 44060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,996 sqft · built 1970
Lot Size	0.394 acres (17,202 sqft)
Owner	Individual Name on File
Last Sale	$222,000 (Jun 2018)
Tax Bill	$7,892 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`16-C-070-C-00-007-0`

Property Details

APN / Parcel Number

Primary APN	`16-C-070-C-00-007-0`
Alternative APN	`I 79`

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	1,996 sqft Living Area
1st Floor Area	796 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1970
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	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	204 sqft
Patio Area	118 sqft
Balcony	Balcony
Balcony Area	124 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	I 79
Street Address	7451 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	78
Jurisdiction	LAKE OH
Township / Civil Division	MENTOR
Census Block Group	3
Census Block	3001
Census Tract	203000

Owner

7451 Harding St is owned and occupied by an individual who bought it in June 2018.

Source: Lake County records, as of April 25, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7451 HARDING ST, MENTOR, OH 44060-4707
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
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Deed Document Number	2406
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	7451 HARDING ST, MENTOR, OH 44060-4707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009250
Date	Apr 14, 2020
Instrument	2020R009250

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jun 29, 2018
Property Address	7451 HARDING ST, MENTOR, OH 44060-4707
Document Number	0000016229
Map Reference	VOL P PG48
Instrument Date	Jun 28, 2018
Instrument	2018R016229
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7451 HARDING ST, MENTOR, OH 44060-4707

Mortgage

Document Number	0000016230
Date	Jun 29, 2018
Instrument	2018R016230

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

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	$7,892.00 (+125.61%) Homeowner's exemption	$75,950 (-) Land $18,140 Building $57,810
2022	$3,498.00 Homeowner's exemption	$75,950 Land $18,140 Building $57,810
2021			$217,010 Land $51,830 Building $165,180

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 7451 Harding St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 7451 Harding St is low, with less than 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 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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