2915 Surf Ave, Lorain, OH 44053 Property Records

Lorain County property record for 2915 Surf Ave, Lorain, OH 44053

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 3,412 sqft · built 1998
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Tax Bill	$2,760 (2024)
Deeds & Mortgages	Nov 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-02-021-112-029`

Property Details

APN / Parcel Number

Primary APN	`02-02-021-112-029`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,412 sqft Living Area
Gross Area	3,664 sqft
1st Floor Area	1,508 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	110 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	252 sqft
Porch	Open Frame Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2915 SURF AVE
City	LORAIN
State	OH
Zip	44053-1540
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	FROM -711-001 AND -002
Legal Tract	02
Legal Block	112
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2005
Census Tract	22601

Owner

Source: Lorain County records, as of April 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2915 SURF AVE, LORAIN, OH 44053-1540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 12, 2002
Transfer Doc	0000842294
Record Updated	Jun 8, 2026

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2917 SURF AVE, LORAIN, OH 44053-1540
Document Number	0000615057
Instrument Date	Nov 28, 2016
Transaction Type	Mortgage
Record Updated	Jun 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915-2917 SURF AVE LORAIN OH 440531540, LORAIN, OH 44053-1540

Mortgage

Document Number	0000615057
Date	Jan 12, 2017
Instrument	615057

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	DALLAS, TX 75019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 11, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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
2024	$2,760.00 (+1.66%)	$66,147 (+27.07%) Land $8,603 Building $57,544	$188,990 (+27.07%) Land $24,580 Building $164,410
2023	$2,715.00	$52,056 Land $7,284 Building $44,772	$148,730 Land $20,810 Building $127,920

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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	Not rated no burnable land within 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 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