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CondominiumResidential
$242,873$190 / 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 87How 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

6864 COTTAGE CIR

NORTH RIDGEVILLE, OH 44039
2
Beds
2
Baths
1,280 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.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$243K
$212K low$274K 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.$189,673
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$151,738
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.22%
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.$53,200
AMERIFIRST FINANCIAL CORP · recorded Mar 12, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,328 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$68,145 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,645
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$68,145
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$194,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyLorain
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 96 ft²Porch · 40 ft²

Transaction History(4)

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.

M
North Ridgeville Academic CenterB+
Middle · Grades 3–8 · 1.1 mi
H
North Ridgeville High SchoolA-
High · Grades 9–12 · 1.3 mi
E
Liberty Elementary School
Elementary · Grades 1–2 · 1.3 mi

District: North Ridgeville City School District

Neighborhood · ZIP 44039These 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.27
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.36,448
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,529 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,310
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,251
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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

6864 Cottage Cir 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 less than 76% of homes in North Ridgeville 44039
  • Costs more per square foot than 69% of homes in Lorain County
  • Smaller than 87% of homes in North Ridgeville 44039
  • Newer than 80% of homes in Lorain County

What homes are worth in North Ridgeville 44039

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

This home
$160K$593K

This home is worth more than 24% of homes in North Ridgeville 44039.

How it measures up in North Ridgeville 44039

The dot is this home. The mark in the middle is the typical home in North Ridgeville 44039.

Estimated value$242,873
CheaperTypical $333,267Pricier

Pricier than 24% of homes nearby

Price per ft²$190
CheaperTypical $183Pricier

Pricier than 58% of homes nearby

Living area1,280 ft²
SmallerTypical 1,810 ft²Bigger

Bigger than 13% of homes nearby

Year built2002
OlderTypical 1998Newer

Newer than 59% of homes nearby

How 6864 Cottage Cir ranks against every home in each area.
MeasureThis homeNorth Ridgeville 44039Lorain County
Estimated valuepricier than$242,87324% of homes47% of homes
Price per ft²pricier than$19058% of homes69% of homes
Living areabigger than1,280 ft²13% of homes27% of homes
Year builtnewer than200259% of homes80% of homes

About 6864 Cottage Cir

How much is 6864 Cottage Cir, North Ridgeville, OH worth?

The TopHap Estimate for 6864 Cottage Cir, North Ridgeville, OH is $242,873 as of Jul 14, 2026. The likely range is $211,523 to $274,223. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6864 Cottage Cir, North Ridgeville, OH last sell?

6864 Cottage Cir, North Ridgeville, OH last sold on Mar 28, 2022, according to the county's recorded deed.

How big is 6864 Cottage Cir, North Ridgeville, OH?

6864 Cottage Cir, North Ridgeville, OH has 2 bedrooms, 2 bathrooms and 1,280 square feet of living space.

When was 6864 Cottage Cir, North Ridgeville, OH built?

6864 Cottage Cir, North Ridgeville, OH was built in 2002, making it 24 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 6864 Cottage Cir, North Ridgeville, OH?

6864 Cottage Cir, North Ridgeville, OH is assigned to North Ridgeville Academic Center (middle), rated B+; North Ridgeville High School (high), rated A-; Liberty Elementary School (elementary). All sit in North Ridgeville City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6864 Cottage Cir, North Ridgeville, OH compare to other homes in North Ridgeville 44039?

Among the 14,914 homes in North Ridgeville 44039, it is worth more than 24% of them ($242,873 against a typical $333,267), its price per square foot is higher than 58% of them ($190 against a typical $183), it is bigger than 13% of them (1,280 ft² against a typical 1,810 ft²) and it is newer than 59% of them (2002 against a typical 1998). Measured against all of Lorain County, it is worth more than 47% 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 6864 Cottage Cir, North Ridgeville, OH?

The 2024 property tax bill for 6864 Cottage Cir, North Ridgeville, OH was $3,328. The county assessed it at $68,145.

Closest homes

More homes in North Ridgeville 44039

Assigned schools

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