2731 Surf Ave, Lorain, OH 44053 Property Records

Lorain County property record for 2731 Surf Ave, Lorain, OH 44053

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,307 sqft · built 1998
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Apr 2018)
Tax Bill	$2,773 (2024)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02-021-111-006`

Property Details

APN / Parcel Number

Primary APN	`02-02-021-111-006`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,307 sqft Total Area
1st Floor Area	1,698 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	107 ft deep x 36 ft wide
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	64 sqft
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	2731 SURF AVE
City	LORAIN
State	OH
Zip	44053-1536
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ON ERIE BCH 36 X 107 S/L 4
Legal Subdivision	ERIE BEACH ALLOTMENT
Legal Tract	2
Legal Block	111
Legal Lot Number	4
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2005
Census Tract	22601

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	4406 FORREST RD, ANCHORAGE, AK 99517-2949
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2018 · Amount on Record
Deed Sale	Apr 6, 2018 · Amount on Record
Prior Sale	Feb 8, 2000 · Amount on Record
Deed Document Number	2018001653
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 6, 2018
Property Address	2731 SURF AVE, LORAIN, OH 44053-1536
Document Number	0000667583
Instrument Date	Apr 2, 2018
Instrument	667583
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 FORREST RD ANCHORAGE AK 995172949, ANCHORAGE, AK 99517-2949

Mortgage

Document Number	667586
Date	Apr 6, 2018
Instrument	667586

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2024

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
2024	$2,773.00 (+8.02%)	$65,636 (+35.08%) Land $5,180 Building $60,456	$187,530 (+35.08%) Land $14,800 Building $172,730
2023	$2,567.00	$48,591 Land $3,378 Building $45,213	$138,830 Land $9,650 Building $129,180

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	19 (1987–2023)
Claims Outside the SFHA	5 of 19
Most Recent Claim	Aug 2023 · river or lake flooding
Claims by Event	Hurricane Katrina Evacuation, Sep 2005 · 4 claims

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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 418 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20