2495 E 38th St, Lorain, OH 44055 Property Records

Lorain County property record for 2495 E 38th St, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,113 sqft · built 1948
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$82,000 (Feb 2000)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-080-105-041`

Property Details

APN / Parcel Number

Primary APN	`03-00-080-105-041`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,113 sqft Living Area
1st Floor Area	756 sqft
Basement Area	744 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	156 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Patio Area	128 sqft
Canopy	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2495 E 38TH ST
City	LORAIN
State	OH
Zip	44055-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD FRNT 0063.97 DPTH 0159.00
Legal Subdivision	HOMEWOOD
Legal Block	105
Legal Lot Number	230
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1004
Census Tract	97500

Owner

Source: Lorain County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2495 E 38TH ST, LORAIN, OH 44055-2808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2000 · Amount on Record
Deed Sale	Feb 24, 2000 · Amount on Record
Prior Sale	Nov 8, 1999
Deed Document Number	2000670367
Prior Transfer Date	Mar 6, 1998
Prior Transfer Doc	0000524315
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2495 E 38TH ST, LORAIN, OH 44055-2808
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210839837
Date	Sep 17, 2021
Instrument	2021-0839837

Lender

Name	FIREFIGHTERS COMMUNITY CU INC
Type	Credit Union
Address	CLEVELAND, OH 44125

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 5, 2036

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Lorain City
Unified School District	Lorain City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,669.00 (+23.17%) Homeowner's exemption	$43,670 (+0.02%) Land $12,850 Building $30,820	$124,750 (-) Land $36,700 Building $88,050
2024		$43,663 (+65.85%) Land $12,845 Building $30,818	$124,750 (+65.85%) Land $36,700 Building $88,050
2023	$1,355.00 (-3.9%)	$26,327 (+0.03%) Land $7,693 Building $18,634	$75,220 (-) Land $21,980 Building $53,240
2022	$1,410.00	$26,320 Land $7,690 Building $18,630
2021			$75,220 Land $21,980 Building $53,240

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.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline.

Nearby Properties on E 38th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures