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Rural ResidenceResidential
$236,683$146 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

2198 STATE ROUTE 45 N

ROCK CREEK, OH 44084
3
Beds
2
Baths
1,620 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
51.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$237K
$192K low$281K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$54,783
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$43,826
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.71%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$181,900
FIRSTMERIT BANK NA · recorded Apr 25, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,008 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$126,980 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$66,780
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$126,980
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$362,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyAshtabula
Lot (acres)The size of the land the home sits on, from county records.51.46
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Shed · 240 ft²Patio · 144 ft²Porch · 768 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rock Creek Elementary SchoolB-
Elementary · Grades KG–6 · 1.9 mi
H
Jefferson Area Sr High SchoolB+
High · Grades 9–12 · 4.5 mi
M
Jefferson Area Junior High SchoolB+
Middle · Grades 7–8 · 4.5 mi

District: Jefferson Area Local School District

Neighborhood · ZIP 44084These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.3,743
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.88 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,187
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,406
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2198 State Route 45 N measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 73% of homes in Ashtabula County
  • Costs more per square foot than 65% of homes in Ashtabula County
  • Bigger than 65% of homes in Ashtabula County
  • Has a bigger lot than 98% of homes in Rock Creek 44084
  • Newer than 83% of homes in Ashtabula County

What homes are worth in Rock Creek 44084

Each bar is how many homes fall in that price range. The marker is this home.

This home
$50K$742K

This home is worth more than 50% of homes in Rock Creek 44084.

How it measures up in Rock Creek 44084

The dot is this home. The mark in the middle is the typical home in Rock Creek 44084.

Estimated value$236,683
CheaperTypical $236,480Pricier

Pricier than 50% of homes nearby

Price per ft²$146
CheaperTypical $153Pricier

Pricier than 45% of homes nearby

Living area1,620 ft²
SmallerTypical 1,566 ft²Bigger

Bigger than 56% of homes nearby

Lot size51.46 ac
SmallerTypical 1 acBigger

Bigger than 98% of homes nearby

Year built1995
OlderTypical 1980Newer

Newer than 67% of homes nearby

How 2198 State Route 45 N ranks against every home in each area.
MeasureThis homeRock Creek 44084Ashtabula County
Estimated valuepricier than$236,68350% of homes73% of homes
Price per ft²pricier than$14645% of homes65% of homes
Living areabigger than1,620 ft²56% of homes65% of homes
Lot sizebigger than51.46 ac98% of homes98% of homes
Year builtnewer than199567% of homes83% of homes

About 2198 State Route 45 N

How much is 2198 State Route 45 N, Rock Creek, OH worth?

The TopHap Estimate for 2198 State Route 45 N, Rock Creek, OH is $236,683 as of Jul 14, 2026. The likely range is $192,183 to $281,183. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 2198 State Route 45 N, Rock Creek, OH?

2198 State Route 45 N, Rock Creek, OH has 3 bedrooms, 2 bathrooms, 1,620 square feet of living space and a 51.46-acre lot.

When was 2198 State Route 45 N, Rock Creek, OH built?

2198 State Route 45 N, Rock Creek, OH was built in 1995, making it 31 years old. It is a ranch home. The building has 1 story.

What schools serve 2198 State Route 45 N, Rock Creek, OH?

2198 State Route 45 N, Rock Creek, OH is assigned to Rock Creek Elementary School (elementary), rated B-; Jefferson Area Sr High School (high), rated B+; Jefferson Area Junior High School (middle), rated B+. All sit in Jefferson Area Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2198 State Route 45 N, Rock Creek, OH compare to other homes in Rock Creek 44084?

Among the 1,783 homes in Rock Creek 44084, it is worth more than 50% of them ($236,683 against a typical $236,480), its price per square foot is higher than 45% of them ($146 against a typical $153), it is bigger than 56% of them (1,620 ft² against a typical 1,566 ft²), its lot is bigger than 98% of them (51.46 ac against a typical 1 ac) and it is newer than 67% of them (1995 against a typical 1980). Measured against all of Ashtabula County, it is worth more than 73% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2198 State Route 45 N, Rock Creek, OH?

The 2025 property tax bill for 2198 State Route 45 N, Rock Creek, OH was $5,008. The county assessed it at $126,980.

More homes on State Route 45 N

Closest homes

More homes in Rock Creek 44084

Assigned schools

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