2874 Surf Ave, Lorain, OH 44053 Property Records

Lorain County property record for 2874 Surf Ave, Lorain, OH 44053 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1974
Square Footage	1,736 sqft Living Area
Lot Size	10,890 sqft (0.25 acres)
Occupancy	Owner Occupied
Last Sale	$125,000 (2022)
Tax Bill	$1,550.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`02-02-021-110-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,736 sqft Living Area
1st Floor	936 sqft 1st Floor
Family Room	Family Room
Stories	1 Stories
Fireplace	1 Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1974
Architectural Style	Bi-Level Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	10,890 sqft (0.25 acres)
Depth X Width	141 ft x 80 ft Depth x Width

Exterior Amenities

Deck Area	32 sqft Deck
Patio Area	32 sqft Patio
Porch	1 Porch
Porch Area	180 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	2874 SURF AVE
City	LORAIN
State	OH
Zip	44053-1539
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	42-02-221A -080-00
Legal Subdivision	ERIE BEACH ALLOTMENT
Legal Tract	2
Legal Block	110
Legal Lot Number	11
Jurisdiction	LORAIN OH
Minor Civil Division	LORAIN
Census Blockgroup	2
Census Block	2013
Census Tract	22601

Owner

Source: Lorain County records · APN 02-02-021-110-026

Assessment roll updated August 1, 2025 · Last verified March 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 File
Mailing Address	2874 SURF AVE, LORAIN, OH 44053-1539
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 01, 2022 · Amount on Record
Deed Sale	Sep 01, 2022 · Amount on Record
Prior Sale	Nov 08, 2013
Deed Doc Number	2022005586
Record Refreshed	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 01, 2022
Property Address	2874 SURF AVE, LORAIN, OH 44053-1539
Document Number	0000889724
Map Reference	VOL 11 PG 8
Instrument Date	Aug 31, 2022
Instrument	2022-0889724
Transaction Type	Transfer
Record Updated	Sep 09, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2874 SURF AVE, LORAIN, OH 44053-1539

Mortgage

Document Number	0000889725
Date	Sep 01, 2022
Instrument	2022-0889725

Lender

Name	MERCANTILE BANK
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,550.00	$40,540 (%) Land $10,750 Building $29,790	$115,830 (-) Land $30,710 Building $85,120
2024	$1,550.00 (+0.71%)	$40,541 (+35.62%) Land $10,749 Building $29,792	$115,830 (+35.62%) Land $30,710 Building $85,120
2023	$1,539.00 (-1.72%)	$29,894 (-0.02%) Land $9,107 Building $20,787	$85,410 (-) Land $26,020 Building $59,390
2022	$1,566.00	$29,900 Land $9,110 Building $20,790
2021			$85,410 Land $26,020 Building $59,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.