Lorain County property record for 195 Lear Rd, Avon Lake, OH 44012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1954 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Company Name on Record |
| Last Sale | $78,210 (May 2019) |
| Tax Bill | $2,379 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jan 2024 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00-030-121-010 |
| Primary APN | 04-00-030-121-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 820 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 20 sqft |
| Heating System | HVAC |
|---|
| Street Address | 195 LEAR RD |
|---|---|
| City | AVON LAKE |
| State | OH |
| Zip | 44012-1952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLE POINT 40.00 X 120.00 |
| Legal Subdivision | EAGLE POINT ON THE LAKE ALLOTMENT |
| Legal Block | 121 |
| Legal Lot Number | 38 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | AVON LAKE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 97402 |
Source: Lorain County records, as of March 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 527 MISSOURI AVE, CINCINNATI, OH 45226-1120 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jul 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Jan 23, 2024 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Apr 16, 2021 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Apr 16, 2021 | Deed of Trust, Mortgage · Commercial Mortgage US BANK NA |
| Nov 4, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| May 14, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Feb 1, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2019 · Amount on Record |
| Deed Sale | May 14, 2019 · Amount on Record |
| Prior Sale | Feb 1, 2019 · Amount on Record |
| Deed Document Number | 2019002556 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000883170 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | 2022-0883170 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Jun 10, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001793 |
|---|---|
| Date | Jan 23, 2024 |
| Instrument | 2024-0001793 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000073608 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025-0073608 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 10, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0000812878 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 2021-0812878 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Mar 17, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 20210812878 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 2021-0812878 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Mar 17, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Document Number | 0000739601 |
| Instrument Date | Nov 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 527 MISSOURI AVE CINCINNATI OH 452261120, CINCINNATI, OH 45226-1120 |
| Document Number | 0000739601 |
|---|---|
| Date | Nov 22, 2019 |
| Instrument | 739601 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 21, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 14, 2019 |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Document Number | 0000714509 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 714509 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $312.84 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 527 MISSOURI AVE CINCINNATI OH 452261120, CINCINNATI, OH 45226-1120 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 1, 2019 |
| Property Address | 195 LEAR RD, AVON LAKE, OH 44012-1952 |
| Document Number | 0000703058 |
| Instrument Date | Jan 24, 2019 |
| Instrument | 703058 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $271.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 195 LEAR RD AVON LAKE OH 440121952, AVON LAKE, OH 44012-1952 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| Municipality | Avon Lake City |
| County | Lorain County |
| Unified School District | Avon Lake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,379.00 | $44,760 (+%) Land $15,400 Building $29,360 | $127,880 (-) Land $44,000 Building $83,880 |
| 2024 | $2,379.00 (+44.8%) | $44,758 (+48.78%) Land $15,400 Building $29,358 | $127,880 (+48.78%) Land $44,000 Building $83,880 |
| 2023 | $1,643.00 (+0.98%) | $30,083 (+0.01%) Land $9,902 Building $20,181 | $85,950 (-) Land $28,290 Building $57,660 |
| 2022 | $1,627.00 | $30,080 Land $9,900 Building $20,180 | |
| 2021 | $85,950 Land $28,290 Building $57,660 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · 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 | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | AVON LAKE CITY PWS serves 23,659 people · EPA ID OH4700311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 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 | 1 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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