8103 Stone Rd, Independence, OH 44131 Property Records

Cuyahoga County property record for 8103 Stone Rd, Independence, OH 44131

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,437 sqft · built 1978
Lot Size	1.73 acres (75,358 sqft)
Owner	Owner Name on File
Last Sale	$185,000 (Jun 1998)
Tax Bill	$5,332 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`562-09-015`

Property Details

APN / Parcel Number

Primary APN	`562-09-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,437 sqft Living Area
1st Floor Area	998 sqft
2nd Floor Area	1,439 sqft
Basement Area	998 sqft
Finished Basement	332 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	75,358 sqft (1.73 acres)
Lot Dimensions	560 ft deep x 140 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	8103 STONE RD
City	INDEPENDENCE
State	OH
Zip	44131-4821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U-1
Legal Description	2-38 ARPAJIAN#1 0001 ALL MB562 PG09 MB00000 PG0000
Legal Subdivision	ARPAJIAN#1
Legal Lot Number	1
Jurisdiction	CUYAHOGA OH
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1041
Census Tract	156101

Owner

The current owner of 8103 Stone Rd bought it in June 1998.

Source: Cuyahoga County records, as of March 20, 2026

Owner of Record	Owner Name on File
Mailing Address	8103 STONE RD, INDEPENDENCE, OH 44131-4821
Occupancy	Owner Occupied

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
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 6, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 1998 · Amount on File
Deed Sale	Jun 29, 1998 · Amount on File
Deed Document Number	791289
Deed Book / Page	98-08151 / 42
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	8103 STONE RD, INDEPENDENCE, OH 44131-4821
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000802
Date	Sep 22, 2021
Instrument	202109220802

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	8103 STONE RD, INDEPENDENCE, OH 44131-4821
Document Number	0007170667
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8103 STONE RD INDEPENDENCE OH 441314821, INDEPENDENCE, OH 44131-4821

Mortgage

Document Number	0007170667
Date	Jul 17, 2017
Instrument	7170667

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8103 Stone Rd was $5,332 with a homeowner's exemption, down 3.5% from the year before.

Source: Cuyahoga County assessment roll, as of August 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,332.00 (-3.48%) Homeowner's exemption	$115,510 (-) Land $24,190 Building $91,320
2024	$5,524.00 (+9.62%) Homeowner's exemption	$115,510 (+20.93%) Land $24,190 Building $91,320	$330,000 Land $69,100 Building $260,900
2023	$5,039.00 (+0.56%) Homeowner's exemption	$95,520 (-) Land $22,470 Building $73,050
2022	$5,011.00 Homeowner's exemption	$95,520 Land $22,470 Building $73,050
2021			$272,900 Land $64,200 Building $208,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8103 Stone Rd in Zone X, an area of minimal flood risk, though there have been 190 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	190 (1979–2020)
Claims Outside the SFHA	12 of 190
Most Recent Claim	Sep 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding Due To The Remnants Of Hurricane Sandy, Oct 2012 · 7 claims Severe Storms, Tornadoes, Straight Line Winds, And Flooding, Jun 2006 · 22 claims Severe Storms And Flooding, May 2004 · 13 claims

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 8103 Stone Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	0.02% 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	CLEVELAND PUBLIC WATER SYSTEM serves 1,308,955 people · EPA ID OH1801212
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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