Lorain County property record for 289 Lear Rd, Avon Lake, OH 44012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,548 sqft · built 1922 |
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $163,200 (Oct 2002) |
| Tax Bill | $4,189 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Apr 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-00-030-141-002 |
| Primary APN | 04-00-030-141-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,548 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| 2nd Floor Area | 555 sqft |
| Upper Floors Area | 528 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 19,166 sqft (0.439 acres) |
| Lot Dimensions | 200 ft deep x 97 ft wide |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 289 LEAR RD |
|---|---|
| City | AVON LAKE |
| State | OH |
| Zip | 44012-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11-04-030E -024-00 |
| Legal Subdivision | AVON LAKE SEC 30 |
| Legal Block | 141 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | AVON LAKE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 97402 |
The current owner of 289 Lear Rd bought it in October 2002.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Apr 15, 2020 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Jun 13, 2017 | Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK |
| Jun 13, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2002 · Amount on File |
| Deed Sale | Oct 23, 2002 · Amount on File |
| Deed Document Number | 2002006019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Document Number | 0000895163 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 2022-0895163 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | May 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Document Number | 0000777290 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 289 LEAR RD AVON LAKE OH 440121915, AVON LAKE, OH 44012-1915 |
| Document Number | 0000777290 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 777290 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Document Number | 0000635987 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 289 LEAR RD AVON LAKE OH 440121915, AVON LAKE, OH 44012-1915 |
| Document Number | 0000635987 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 635987 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 289 LEAR RD, AVON LAKE, OH 44012-1915 |
| Document Number | 0000635755 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 289 LEAR RD AVON LAKE OH 440121915, AVON LAKE, OH 44012-1915 |
| Document Number | 0000635755 |
|---|---|
| Date | Jul 6, 2017 |
| Instrument | 635755 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2047 |
The 2025 property tax bill for 289 Lear Rd was $4,189.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| Municipality | Avon Lake City |
| County | Lorain County |
| Unified School District | Avon Lake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,189.00 | $82,770 (+%) Land $25,930 Building $56,840 | $236,480 (-) Land $74,090 Building $162,390 |
| 2024 | $4,189.00 (+44.05%) | $82,769 (+51.4%) Land $25,932 Building $56,837 | $236,480 (+51.4%) Land $74,090 Building $162,390 |
| 2023 | $2,908.00 (+1.04%) | $54,670 (-0.02%) Land $15,435 Building $39,235 | $156,200 Land $44,100 Building $112,100 |
| 2022 | $2,878.00 | $54,680 Land $15,440 Building $39,240 | |
| 2021 | $156,200 Land $44,100 Building $112,100 |
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.
FEMA maps place 289 Lear Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
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 risk around 289 Lear Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AVON LAKE CITY PWS serves 23,659 people · EPA ID OH4700311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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