Lake County property record for 95 River St, Madison, OH 44057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,128 sqft · built 1870 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,900 (Feb 2026) |
| Tax Bill | $2,167 (2024) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-A-009-A-00-019-0 |
| Primary APN | 02-A-009-A-00-019-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 432 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 168 sqft |
| Patio Area | 336 sqft |
| Shed | 1 Shed |
| Shed Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 95 RIVER ST |
|---|---|
| City | MADISON |
| State | OH |
| Zip | 44057-3270 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | LOT 52 TRACT 1 |
| Legal Subdivision | HARVEY |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | 52 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 206100 |
Source: Lake County records, as of April 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 95 RIVER ST, MADISON, OH 44057-3270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Jul 1, 2022 | Intrafamily Transfer, Transfer · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Jul 1, 2022 · Amount on Record |
| Deed Document Number | 20264031 |
| Prior Transfer Date | Jun 30, 2022 |
| Prior Transfer Doc | 0000018626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Feb 27, 2026 |
| Property Address | 95 RIVER ST, MADISON, OH 44057-3270 |
| Document Number | 0000004031 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2026R004031 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Title Company | FIRST SOURCE TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 95 RIVER ST, MADISON, OH 44057-3270 |
| Name | Verified Name |
|---|---|
| Address | 95 RIVER ST, MADISON, OH 44057-3270 |
| Document Number | 0000004032 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 2026R004032 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Number | 0000004033 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 2026R004033 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44124 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 1, 2022 |
| Property Address | 95 RIVER ST, MADISON, OH 44057-3270 |
| Document Number | 0000018626 |
| Instrument Date | Jun 29, 2022 |
| Instrument | 2022R018626 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 95 RIVER ST, 95, MADISON, OH 44057-3270 |
| Name | Verified Name |
|---|---|
| Address | 1334 POND HAVEN CT, PAINESVILLE, OH 44077-5261 |
| Document Number | 0000018713 |
|---|---|
| Date | Jul 1, 2022 |
| Instrument | 2022R018713 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 9, 2052 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| County Subdivision | Madison Township |
| Municipality | Madison Village |
| Unified School District | Madison Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44,840 (-) Land $7,860 Building $36,980 | $128,120 (-) Land $22,460 Building $105,660 | |
| 2024 | $2,167.00 (-43.38%) | $44,840 (+20.6%) Land $7,860 Building $36,980 | $128,120 (+20.59%) Land $22,460 Building $105,660 |
| 2023 | $3,827.00 (+129.57%) Homeowner's exemption | $37,180 (-) Land $6,550 Building $30,630 | |
| 2022 | $1,667.00 Homeowner's exemption Senior Citizen's exemption | $37,180 Land $6,550 Building $30,630 | |
| 2021 | $106,240 Land $18,720 Building $87,520 |
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.
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 | 9 in force |
| Nearby Flood Claims | 16 (1986–2023) |
| Claims Outside the SFHA | 4 of 16 |
| Most Recent Claim | Aug 2023 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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