Lorain County property record for 123 E 31st St, Lorain, OH 44055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,075 sqft · built 1900 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $849 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Nov 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00-098-113-010 |
| Primary APN | 03-00-098-113-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,075 sqft Living Area |
| 1st Floor Area | 752 sqft |
| 2nd Floor Area | 323 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 155 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 162 sqft |
| Heating System | HVAC |
|---|
| Street Address | 123 E 31ST ST |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44055-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINCENT SUB AND VAC ALLEY 50 X 155 |
| Legal Subdivision | VINCENT SUB AND CAC ALLY FRNT |
| Legal Block | 113 |
| Legal Lot Number | 6 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23200 |
123 E 31st St is owned and occupied by an individual who acquired it in September 2020.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 E 31ST ST, LORAIN, OH 44055-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 8, 2025 | Transfer on Death Deed, Transfer |
| Nov 17, 2020 | Deed of Trust, Construction Loan · Line of Credit ACHIEVE CU |
| Sep 15, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 |
| Deed Sale | Sep 15, 2020 |
| Deed Document Number | 2020092980 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 8, 2025 |
| Property Address | 123 E 31ST ST, LORAIN, OH 44055-1201 |
| Document Number | 0000070753 |
| Map Reference | VOL 4 PG 15 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 2025-0070753 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 123 E 31ST ST, LORAIN, OH 44055-1201 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 17, 2020 |
| Property Address | 123 E 31ST ST, LORAIN, OH 44055-1201 |
| Document Number | 0000789314 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 789314 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 123 E 31ST ST LORAIN OH 440551201, LORAIN, OH 44055-1201 |
| Document Number | 0000789314 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 789314 |
| Name | ACHIEVE CU |
|---|---|
| Address | 340 GRISWOLD RD, ELYRIA, OH 44035-2301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Nov 16, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 15, 2020 |
| Property Address | 123 E 31ST ST, LORAIN, OH 44055-1201 |
| Document Number | 0000778774 |
| Instrument Date | Aug 5, 2020 |
| Instrument | 778774 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 E 31ST ST LORAIN OH 440551201, LORAIN, OH 44055-1201 |
The 2025 property tax bill for 123 E 31st St was $849.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Lorain City |
| Unified School District | Lorain City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $849.00 | $22,210 (+0.01%) Land $2,860 Building $19,350 | $63,450 (-) Land $8,160 Building $55,290 |
| 2024 | $849.00 (+1.68%) | $22,208 (+36.83%) Land $2,856 Building $19,352 | $63,450 (+36.83%) Land $8,160 Building $55,290 |
| 2023 | $835.00 (+0.85%) | $16,230 (-) Land $2,713 Building $13,517 | $46,370 Land $7,750 Building $38,620 |
| 2022 | $828.00 | $16,230 Land $2,710 Building $13,520 | |
| 2021 | $46,370 Land $7,750 Building $38,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 E 31st St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 123 E 31st St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | LORAIN CITY PWS serves 64,152 people · EPA ID OH4700711 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023–2025) 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 581 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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