89 E Cottage St, Chagrin Falls, OH 44022 Property Records

Cuyahoga County property record for 89 E Cottage St, Chagrin Falls, OH 44022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,137 sqft · built 1886
Lot Size	0.154 acres (6,726 sqft)
Owner	2 Company Names on Record
Last Sale	$975,000 (Apr 2024)
Tax Bill	$9,601 (2025)
Deeds & Mortgages	Mar 2026 Transfer Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`931-13-010`

Property Details

APN / Parcel Number

Primary APN	`931-13-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,137 sqft Living Area
Gross Area	3,776 sqft
1st Floor Area	1,174 sqft
2nd Floor Area	963 sqft
Basement Area	1,199 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1972
Architectural Style	Cape Cod
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,726 sqft (0.154 acres)
Lot Dimensions	118 ft deep x 57 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	289 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	89 E COTTAGE ST
City	CHAGRIN FALLS
State	OH
Zip	44022-2728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-60
Legal Description	17 BLISS 0005 SP
Legal Subdivision	BLISS ALLOTMENT
Legal Lot Number	5
Jurisdiction	CUYAHOGA OH
Township / Civil Division	CHAGRIN FALLS
Census Block Group	4
Census Block	4014
Census Tract	195900

Owner

Source: Cuyahoga County records, as of April 2, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Intrafamily Transfer, Transfer
Apr 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Sep 24, 2020	Deed of Trust, Mortgage HUNTINGTON NAT'L BK
Jun 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 22, 2017	Warranty Deed, Transfer BOULEVARD TITLE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Prior Sale	Dec 22, 2017 · Amount on Record
Deed Document Number	2024496
Last Transfer Date	Feb 20, 2026
Transfer Doc	0000000130
Record Updated	Jun 8, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUYAHOGA OH
Recording Date	Mar 3, 2026
Property Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Document Number	0000000130
Map Reference	VOL 31 PG 1
Instrument Date	Feb 20, 2026
Instrument	202603030130
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 PHILOMETHIAN ST, CHAGRIN FALLS, OH 44022-2926

Mortgage

Document Number	0000000497
Date	Apr 26, 2024
Instrument	202404260497

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company
Address	1000 GAMMA DR, PITTSBURGH, PA 15238

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Document Number	0010260680
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	OHIO REAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	89 E COTTAGE ST CHAGRIN FALLS OH 440222728, CHAGRIN FALLS, OH 44022-2728

Mortgage

Document Number	0010260680
Date	Oct 6, 2020
Instrument	10260680

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.2%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Jun 17, 2020
Property Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Document Number	0006170677
Instrument Date	Jun 4, 2020
Instrument	6170677
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	89 E COTE ST CHAGRIN FALLS OH 44022, CHAGRIN FALLS, OH 44022

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Dec 22, 2017
Property Address	89 E COTTAGE ST, CHAGRIN FALLS, OH 44022-2728
Document Number	0012220923
Instrument Date	Dec 15, 2017
Instrument	12220923
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	BOULEVARD TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$640.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	89 E COTTAGE ST CHAGRIN FALLS OH 440222728, CHAGRIN FALLS, OH 44022-2728

Tax Assessment & Valuation

Source: Cuyahoga County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
County Subdivision	Chagrin Falls Township
Municipality	Chagrin Falls Village
Unified School District	Chagrin Falls Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,601.00 (-3.16%) Homeowner's exemption	$157,500 (-0.01%) Land $37,975 Building $119,525	$450,000 (-) Land $108,500 Building $341,500
2024	$9,914.00 (+5.27%)	$157,510 (+21.5%) Land $37,980 Building $119,530	$450,000 (+21.49%) Land $108,500 Building $341,500
2023	$9,418.00 (-5.48%)	$129,640 (-) Land $21,420 Building $108,220
2022	$9,964.00	$129,640 Land $21,420 Building $108,220
2021			$370,400 Land $61,200 Building $309,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2021–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2025 · river or lake flooding

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	CHAGRIN FALLS VILLAGE PWS serves 4,991 people · EPA ID OH1800212
Water Source	Purchased surface water from CLEVELAND PUBLIC WATER SYSTEM
Last State Inspection	Oct 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	4 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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