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Single Family ResidenceResidential
$173,632$129 / 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 93How 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
Last sold for $169,900 on Feb 27, 2026

95 RIVER ST

MADISON, OH 44057
3
Beds
1
Baths
1,344 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1870
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$174K
$162K low$185K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$169,900 · Feb 27, 2026
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.$3,732
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,986
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.98%
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.$164,803
HOWARD HANNA MORTGAGE SERVICES INC · recorded Feb 27, 2026
2nd 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.$5,097
HOWARD HANNA MORTGAGE SERVICES INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,172 (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.$44,840 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,860
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$36,980
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,840
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$128,120

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.3 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Historical
CountyLake
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1984
Lot (acres)The size of the land the home sits on, from county records.0.26
HeatingThe type of heating system in the home.Hot Water
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 · 168 ft²Shed · 112 ft²Patio · 336 ft²Porch · 72 ft²

Transaction History(2)

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
South Elementary SchoolB+
Elementary · Grades KG–5 · 0.3 mi
H
Madison High SchoolC-
High · Grades 9–12 · 1.7 mi
M
Madison Middle SchoolC+
Middle · Grades 6–8 · 1.8 mi

District: Madison Local School District

Neighborhood · ZIP 44057These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.19,499
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.401 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,484
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,746
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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.Absentee owner
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

95 River St 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 78% of homes in Lake County
  • Costs less per square foot than 78% of homes in Lake County
  • Among the oldest homes in Lake County

What homes are worth in Madison 44057

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

This home
$27K$469K

This home is worth more than 35% of homes in Madison 44057.

How it measures up in Madison 44057

The dot is this home. The mark in the middle is the typical home in Madison 44057.

Estimated value$173,632
CheaperTypical $203,944Pricier

Pricier than 35% of homes nearby

Price per ft²$129
CheaperTypical $142Pricier

Pricier than 38% of homes nearby

Living area1,344 ft²
SmallerTypical 1,477 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.26 ac
SmallerTypical 0.34 acBigger

Bigger than 37% of homes nearby

Year built1870
OlderTypical 1970Newer

Newer than 3% of homes nearby

How 95 River St ranks against every home in each area.
MeasureThis homeMadison 44057Lake County
Estimated valuepricier than$173,63235% of homes22% of homes
Price per ft²pricier than$12938% of homes22% of homes
Living areabigger than1,344 ft²42% of homes38% of homes
Lot sizebigger than0.26 ac37% of homes45% of homes
Year builtnewer than18703% of homesalmost no homes

About 95 River St

How much is 95 River St, Madison, OH worth?

The TopHap Estimate for 95 River St, Madison, OH is $173,632 as of Jul 14, 2026. The likely range is $162,101 to $185,163. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 River St, Madison, OH last sell?

95 River St, Madison, OH last sold on Feb 27, 2026 for $169,900, according to the county's recorded deed.

How big is 95 River St, Madison, OH?

95 River St, Madison, OH has 3 bedrooms, 1 bathrooms, 1,344 square feet of living space and a 0.26-acre lot.

When was 95 River St, Madison, OH built?

95 River St, Madison, OH was built in 1870, making it 156 years old. It is a historical home. The building has 2 stories.

What schools serve 95 River St, Madison, OH?

95 River St, Madison, OH is assigned to South Elementary School (elementary), rated B+; Madison High School (high), rated C-; Madison Middle School (middle), rated C+. All sit in Madison Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 95 River St, Madison, OH compare to other homes in Madison 44057?

Among the 7,998 homes in Madison 44057, it is worth more than 35% of them ($173,632 against a typical $203,944), its price per square foot is higher than 38% of them ($129 against a typical $142), it is bigger than 42% of them (1,344 ft² against a typical 1,477 ft²), its lot is bigger than 37% of them (0.26 ac against a typical 0.34 ac) and it is newer than 3% of them (1870 against a typical 1970). Measured against all of Lake County, it is worth more than 22% 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 95 River St, Madison, OH?

The 2025 property tax bill for 95 River St, Madison, OH was $2,172. The county assessed it at $44,840.

Closest homes

More homes in Madison 44057

Assigned schools

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