Lorain County property record for 3014 Surf Ave, Lorain, OH 44053
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1976 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,801 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02-021-110-045 |
| Primary APN | 02-02-021-110-045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| 2nd Floor Area | 640 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,632 sqft (0.289 acres) |
| Lot Dimensions | 219 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 352 sqft |
| Patio Area | 120 sqft |
| Heating System | HVAC |
|---|
| Street Address | 3014 SURF AVE |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44053-1543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OL 21 |
| Legal Subdivision | ON-ERIE BEACH COMPANYS |
| Legal Tract | 2 |
| Legal Block | 110 |
| Legal Lot Number | 24 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 22601 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3014 SURF AVE, LORAIN, OH 44053-1543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| Mar 25, 2021 | Warranty Deed, Transfer · FHA Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Line of Credit COMMUNITY STAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 25, 2021 |
| Transfer Doc | 0000809274 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3014 SURF AVE, LORAIN, OH 44053-1543 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000925160 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023-0925160 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02904 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 25, 2021 |
| Property Address | 3014 SURF AVE, LORAIN, OH 44053-1543 |
| Document Number | 0000809274 |
| Map Reference | VOL 11 PG 8 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 2021-0809274 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3014 SURF AVE, LORAIN, OH 44053-1543 |
| Document Number | 0000809275 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 2021-0809275 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3014 SURF AVE, LORAIN, OH 44053-1543 |
| Document Number | 0000734845 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3014 SURF AVENUE LORAIN LORAIN OH 44053, LORAIN, OH 44053 |
| Document Number | 0000734845 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 734845 |
| Name | COMMUNITY STAR CU |
|---|---|
| Address | ELYRIA, OH 44035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 17, 2034 |
| Rate Type | Adjustable Rate |
|---|
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Lorain City |
| Unified School District | Lorain City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,801.00 | $47,110 (+0.01%) Land $14,140 Building $32,970 | $134,590 (-) Land $40,400 Building $94,190 |
| 2024 | $1,801.00 (-0.39%) | $47,107 (+34.1%) Land $14,140 Building $32,967 | $134,590 (+34.11%) Land $40,400 Building $94,190 |
| 2023 | $1,808.00 (+0.89%) | $35,127 (+0.02%) Land $9,594 Building $25,533 | $100,360 (-) Land $27,410 Building $72,950 |
| 2022 | $1,792.00 | $35,120 Land $9,590 Building $25,530 | |
| 2021 | $100,360 Land $27,410 Building $72,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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