Lorain County property record for 118 West St, Kipton, OH 44049
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 938 sqft · built 1956 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $146,900 (Aug 2023) |
| Tax Bill | $1,880 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-11-016-105-014 |
| Primary APN | 13-11-016-105-014 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 938 sqft Living Area |
| Gross Area | 1,514 sqft |
| 1st Floor Area | 938 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 50,530 sqft (1.16 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 70 sqft |
| Patio Area | 36 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Street Address | 118 WEST ST |
|---|---|
| City | KIPTON |
| State | OH |
| Zip | 44049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.157AC |
| Legal Tract | 11 |
| Legal Block | 105 |
| Legal Lot Number | 16 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CAMDEN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 93100 |
118 West St is owned and occupied by two individuals who bought it in August 2023.
Source: Lorain County records, as of September 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 WEST ST, KIPTON, OH 44049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA |
| Aug 24, 2023 | Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2023 · Amount on File |
| Deed Sale | Aug 24, 2023 · Amount on File |
| Prior Sale | Nov 4, 2014 · Amount on File |
| Deed Document Number | 2023926839 |
| Prior Transfer Date | Aug 28, 2019 |
| Prior Transfer Doc | 20190728203 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 118 WEST ST, KIPTON, OH 44049 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 118 WEST ST, KIPTON, OH 44049 |
| Document Number | 0000067375 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025-0067375 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 11, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 24, 2023 |
| Property Address | 118 WEST ST, KIPTON, OH 44049 |
| Document Number | 0000926839 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023-0926839 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 118 WEST ST, KIPTON, OH 44049 |
| Investor | Possibly a Property Investor |
| Document Number | 0000926840 |
|---|---|
| Date | Aug 24, 2023 |
| Instrument | 2023-0926840 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 118 West St was $1,880, up 0.1% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Camden Township |
| Municipality | Kipton Village |
| Unified School District | Firelands Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,880.00 (+0.05%) | $37,450 (-0.02%) Land $13,850 Building $23,600 | $107,020 (-) Land $39,580 Building $67,440 |
| 2024 | $1,879.00 (+0.86%) | $37,457 (+9%) Land $13,853 Building $23,604 | $107,020 (+9%) Land $39,580 Building $67,440 |
| 2023 | $1,863.00 (+3.27%) | $34,364 (+0.01%) Land $12,702 Building $21,662 | $98,180 Land $36,290 Building $61,890 |
| 2022 | $1,804.00 | $34,360 Land $12,700 Building $21,660 | |
| 2021 | $98,180 Land $36,290 Building $61,890 |
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.
FEMA maps place 118 West St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · 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 | 3 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 risk around 118 West St is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Armstrong Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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