978 Dock Rd, Madison, OH 44057 Property Records

Lake County property record for 978 Dock Rd, Madison, OH 44057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,388 sqft · built 1976
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Apr 2010)
Tax Bill	$5,917 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-A-089-D-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`01-A-089-D-00-004-0`
Alternative APN	`B 21`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,388 sqft Living Area
1st Floor Area	1,716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	18 sqft
Deck Area	478 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Oil

Location & Zoning

Account Number	B 21
Street Address	978 DOCK RD
City	MADISON
State	OH
Zip	44057-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 14 TRACT 1
Legal Subdivision	ARCOLE ESTATES SUBDIVISION NO.2
Legal Tract	1
Legal Lot Number	26
Jurisdiction	LAKE OH
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1002
Census Tract	206700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	978 DOCK RD, MADISON, OH 44057-1605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Commercial Mortgage THE ANDOVER BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2010 · Amount on Record
Deed Sale	Apr 8, 2010 · Amount on Record
Prior Sale	May 8, 2000
Deed Document Number	792
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	978 DOCK RD, MADISON, OH 44057-1605
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028706
Date	Dec 22, 2025
Instrument	2025R028706

Lender

Name	THE ANDOVER BANK
Type	Bank
Address	MADISON, OH 44057

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 5, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	978 DOCK RD, MADISON, OH 44057-1605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036719
Date	Dec 10, 2020
Instrument	2020R036719

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
County Subdivision	Madison Township
Unified School District	Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,917.00 (+77.85%) Homeowner's exemption	$53,240 (-) Land $11,300 Building $41,940
2022	$3,327.00 Homeowner's exemption	$53,240 Land $11,300 Building $41,940
2021			$152,120 Land $32,280 Building $119,840

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAKE COUNTY EAST WATER SUBDISTRICT serves 40,656 people · EPA ID OH4302911
Water Source	Surface water
Last State Inspection	Jun 2025
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	None 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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