2702 W 40th St, Lorain, OH 44053 Property Records

Lorain County property record for 2702 W 40th St, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,472 sqft · built 1977
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,000 (Sep 2017)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-02-013-108-015`

Property Details

APN / Parcel Number

Primary APN	`02-02-013-108-015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	143 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2702 W 40TH ST
City	LORAIN
State	OH
Zip	44053-2253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDY ACRES SUB #5 FRNT 0074.53 DPTH 0143.25
Legal Subdivision	SANDY ACRES SUBDIVISION #5
Legal Tract	2
Legal Block	108
Legal Lot Number	179
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2009
Census Tract	97202

Owner

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	2 Individual Names on Record
Mailing Address	2702 W 40TH ST, LORAIN, OH 44053-2253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 7, 2017	Deed of Trust, Mortgage · FHA Mortgage UNION HM MTG
Sep 8, 2017	Warranty Deed, Transfer MILLER HOME TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Oct 26, 2000
Deed Document Number	2017005036
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2702 W 40TH ST, LORAIN, OH 44053-2253
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210844966
Date	Oct 19, 2021
Instrument	2021-0844966

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 1, 2046

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2702 W 40TH ST, LORAIN, OH 44053-2253
Document Number	0000643679
Instrument Date	Sep 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	MILLER HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2702 W 40TH ST LORAIN OH 440532253, LORAIN, OH 44053-2253

Mortgage

Document Number	0000643679
Date	Sep 11, 2017
Instrument	643679

Lender

Name	UNION HM MTG
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 8, 2017
Property Address	2702 W 40TH ST, LORAIN, OH 44053-2253
Document Number	0000643497
Instrument Date	Jun 27, 2017
Instrument	643497
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Tax	$369.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2702 W 40TH ST LORAIN OH 440532253, LORAIN, OH 44053-2253

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	$2,124.00	$55,570 (+0.01%) Land $14,820 Building $40,750	$158,760 (-) Land $42,340 Building $116,420
2024	$2,124.00 (-9.92%)	$55,566 (+21.32%) Land $14,819 Building $40,747	$158,760 (+21.32%) Land $42,340 Building $116,420
2023	$2,358.00 (+0.86%)	$45,801 (+%) Land $10,878 Building $34,923	$130,860 (-) Land $31,080 Building $99,780
2022	$2,338.00	$45,800 Land $10,880 Building $34,920
2021			$130,860 Land $31,080 Building $99,780

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 · 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

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.

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 403 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 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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