Lorain County property record for 1881 E 39th St, Lorain, OH 44055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,664 sqft · built 1969 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Feb 2012) |
| Tax Bill | $1,770 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00-100-108-014 |
| Primary APN | 03-00-100-108-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 1,144 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 127 ft deep x 62 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 1881 E 39TH ST |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44055-2601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKWOOD ACRES 62.00 X 127.00 |
| Legal Subdivision | OAKWOOD ACRES |
| Legal Block | 108 |
| Legal Lot Number | 347 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 97500 |
Source: Lorain County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1881 E 39TH ST, LORAIN, OH 44055-2601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Dec 19, 2024 | Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2012 · Amount on Record |
| Deed Sale | Feb 16, 2012 · Amount on Record |
| Prior Sale | Feb 25, 2011 · Amount on Record |
| Deed Document Number | 2012402277 |
| Prior Transfer Date | Dec 16, 2008 |
| Prior Transfer Doc | 0000350007 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 11, 2026 |
| Property Address | 1881 E 39TH ST, LORAIN, OH 44055-2601 |
| Document Number | 0000111201 |
| Instrument Date | Sep 5, 2026 |
| Instrument | 2026111201 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000111201, |
|---|---|
| Date | Sep 11, 2026 |
| Instrument | 2026111201 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1881 E 39TH ST, LORAIN, OH 44055-2601 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000037203 |
|---|---|
| Date | Dec 19, 2024 |
| Instrument | 2024-0037203 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lorain County assessment roll, as of May 16, 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 | $1,770.00 Homeowner's exemption | $46,300 (%) Land $4,520 Building $41,780 | $132,290 (-) Land $12,920 Building $119,370 |
| 2024 | $1,770.00 (+20.98%) | $46,302 (+62.88%) Land $4,522 Building $41,780 | $132,290 (+62.88%) Land $12,920 Building $119,370 |
| 2023 | $1,463.00 (+0.9%) | $28,427 (+0.02%) Land $4,263 Building $24,164 | $81,220 (-) Land $12,180 Building $69,040 |
| 2022 | $1,450.00 | $28,420 Land $4,260 Building $24,160 | |
| 2021 | $81,220 Land $12,180 Building $69,040 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2023) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
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.
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 482 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 |
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