8872 Spring Valley Dr, Mentor, OH 44060 Property Records

Lake County property record for 8872 Spring Valley Dr, Mentor, OH 44060

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,405 sqft · built 1954
Lot Size	0.626 acres (27,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Jul 2019)
Tax Bill	$8,037 (2023)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2026 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`16-B-052-K-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`16-B-052-K-00-003-0`
Alternative APN	`E 21`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,405 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	297 sqft
Finished Basement	297 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,255 sqft (0.626 acres)
Lot Dimensions	237 ft deep x 115 ft wide
View / Lot	Extra Front
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	8872 SPRING VALLEY DR
City	MENTOR
State	OH
Zip	44060-5054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	LOT 9 TRACT 7
Legal Subdivision	ELMBROOK HOMESITES SUBDIVISION NO. 2
Legal Tract	7
Legal Block	1
Legal Lot Number	9
Jurisdiction	LAKE OH
Township / Civil Division	MENTOR
Census Block Group	1
Census Block	1003
Census Tract	203400

Owner

Source: Lake County records, as of September 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 17, 2023	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage THOMAS LENDING LLC
Aug 27, 2018	Warranty Deed, Transfer ENTERPRISE TITLE AGENCY
Dec 7, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	201915166
Prior Transfer Date	May 19, 1997
Prior Transfer Doc	0000020413
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Sep 17, 2026
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Document Number	0000021285
Instrument Date	Sep 10, 2026
Instrument	202621285
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054

Mortgage

Document Number	0000021285,
Date	Sep 17, 2026
Instrument	202621285

Lender

Name	FIRST NATIONAL

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Sep 10, 2048

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054

Mortgage

Document Number	0000005443
Date	Mar 19, 2026
Instrument	2026R005443

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 11, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026930
Date	Dec 2, 2025
Instrument	2025R026930

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Apr 27, 2023
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006891
Date	Apr 17, 2023
Instrument	2023R006891

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.64%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.64%
Max Rate At Change	7.64%
Index	Prime Rate
Margin	1
Max Rate	11.6%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Apr 27, 2023
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006984
Date	Apr 18, 2023
Instrument	2023R006984

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037063
Date	Oct 20, 2021
Instrument	2021R037063

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	CLEVELAND, OH 44124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Sep 30, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032732
Date	Nov 5, 2020
Instrument	2020R032732

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	RIVERSIDE, RI 02915

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 20, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jul 2, 2019
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Document Number	0000015166
Map Reference	VOL J PG 40
Instrument Date	Jun 27, 2019
Instrument	2019R015166
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	INNOVATIVE T&E SVCS

Transaction

Amount	Amount Recorded
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	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054

Mortgage

Document Number	0000015167
Date	Jul 2, 2019
Instrument	2019R015167

Lender

Name	THOMAS LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Aug 27, 2018
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Document Number	0000021682
Instrument Date	Aug 24, 2018
Instrument	21682
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ENTERPRISE TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$468.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8872 SPRING VALLEY DR MENTOR OH 440605054, MENTOR, OH 44060-5054

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LAKE OH
Recording Date	Dec 7, 2017
Property Address	8872 SPRING VALLEY DR, MENTOR, OH 44060-5054
Document Number	0000033299
Instrument Date	Dec 6, 2017
Instrument	33299
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 MENTOR AVE PAINESVILLE OH 440772520, PAINESVILLE, OH 44077-2520

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$94,560 (+22.25%) Land $22,430 Building $72,130	$270,170 (+22.24%) Land $64,080 Building $206,090
2023	$8,037.00 (+119.95%) Homeowner's exemption	$77,350 (-) Land $18,750 Building $58,600
2022	$3,654.00 Homeowner's exemption	$77,350 Land $18,750 Building $58,600
2021			$221,020 Land $53,580 Building $167,440

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1979–2015)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2015 · 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

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	Direct burnable vegetation

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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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