2531 E 38th St, Lorain, OH 44055 Property Records

Lorain County property record for 2531 E 38th St, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,090 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$103,500 (Sep 2021)
Tax Bill	$1,496 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-080-105-045`

Property Details

APN / Parcel Number

Primary APN	`03-00-080-105-045`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	744 sqft
2nd Floor Area	346 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	18 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2531 E 38TH ST
City	LORAIN
State	OH
Zip	44055-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 60 X 150 S/L 234
Legal Subdivision	HOMEWOOD ADDITION
Legal Block	105
Legal Lot Number	234
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1004
Census Tract	97500

Owner

Source: Lorain County assessment roll, as of August 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	2531 E 38TH ST, LORAIN, OH 44055-2810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · SBA Mortgage FIFTH THIRD BANK NA
Sep 20, 2021	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	May 29, 2007 · Amount on Record
Deed Document Number	2021006314
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2531 E 38TH ST, LORAIN, OH 44055-2810
Transaction Type	Mortgage
Record Updated	Nov 17, 2023
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MOD SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 E 38TH ST, LORAIN, OH 44055-2810

Mortgage

Document Number	0000935403
Date	Nov 9, 2023
Instrument	2023-0935403

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 20, 2021
Property Address	2531 E 38TH ST, LORAIN, OH 44055-2810
Document Number	20210839930
Map Reference	VOL 14 PG 22
Instrument Date	Sep 16, 2021
Instrument	2021-0839930
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	NEWMAN TITLE, NEWMAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2531 E 38TH ST, LORAIN, OH 44055-2810

Mortgage

Document Number	20210839931
Date	Sep 20, 2021
Instrument	2021-0839931

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$1,496.00	$39,140 (%) Land $11,970 Building $27,170	$111,830 (-) Land $34,190 Building $77,640
2024	$1,496.00 (+11.81%)	$39,141 (+50.59%) Land $11,967 Building $27,174	$111,830 (+50.59%) Land $34,190 Building $77,640
2023	$1,338.00 (+0.9%)	$25,992 (-0.03%) Land $7,165 Building $18,827	$74,260 (-) Land $20,470 Building $53,790
2022	$1,326.00	$26,000 Land $7,170 Building $18,830
2021			$74,260 Land $20,470 Building $53,790

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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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: Cogeco Cable Holdings II.

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