Lorain County property record for 3112 Surf Ave, Lorain, OH 44053 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,449 sqft Living Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $180,000 (2023) |
| Tax Bill | $1,761.00 (2025) |
| Primary APN | 02-02-021-110-037 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,449 sqft Living Area |
| 1st Floor | 1,449 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 9,583 sqft (0.219 acres) |
| Depth X Width | 141 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 464 sqft Garage |
| Deck Area | 224 sqft Deck |
|---|---|
| Patio Area | 60 sqft Patio |
| Porch | Open Porch |
| Porch Area | 32 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3112 SURF AVE |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44053-1545 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | AC CORR 2/20/96 |
| Legal Subdivision | ERIE BEACH ALLOTMENT |
| Legal Tract | 2 |
| Legal Block | 110 |
| Legal Lot Number | 21 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | LORAIN |
| Census Blockgroup | 2 |
| Census Block | 2013 |
| Census Tract | 22601 |
Source: Lorain County records · APN 02-02-021-110-037
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3112 SURF AVE, LORAIN, OH 44053-1545 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 28, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 01, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Apr 01, 2019 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage US BK |
| Aug 03, 2012 | Loan Modification, Mortgage · Conventional Mortgage US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Jun 26, 2008 · Amount on Record |
| Deed Doc Number | 2023006907 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 28, 2023 |
| Property Address | 3112 SURF AVE, LORAIN, OH 44053-1545 |
| Document Number | 0000939812 |
| Map Reference | VOL 11 PG 8 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 2023-0939812 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3112 SURF AVE, LORAIN, OH 44053-1545 |
| Document Number | 0000939938 |
|---|---|
| Date | Dec 29, 2023 |
| Instrument | 2023-0939938 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3118 SURF AVE, LORAIN, OH 44053 |
| Document Number | 0000711442 |
| Instrument Date | Apr 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3112 SURF AVE LORAIN OH 440531545, LORAIN, OH 44053-1545 |
| Document Number | 0000711442 |
|---|---|
| Date | Apr 18, 2019 |
| Instrument | 711442 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3118 SURF AVE, LORAIN, OH 44053 |
| Document Number | 0000711741 |
| Instrument Date | Apr 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3112 SURF AVE LORAIN OH 440531545, LORAIN, OH 44053-1545 |
| Document Number | 0000711741 |
|---|---|
| Date | Apr 22, 2019 |
| Instrument | 711741 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2049 |
| Rate | 5.12% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3118 SURF AVE, LORAIN, OH 44053 |
| Document Number | 0000653743 |
| Instrument Date | Aug 03, 2012 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3112 SURF AVE LORAIN OH 440531545, LORAIN, OH 44053-1545 |
| Document Number | 0000653743 |
|---|---|
| Date | Dec 04, 2017 |
| Instrument | 653743 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | BEDFORD, OH 44146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 03, 2042 |
| Rate | 4% |
|---|
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Lorain City |
| Unified School District | Lorain City School District (PK - 12) |
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 | $1,761.00 | $46,080 (+%) Land $9,920 Building $36,160 | $131,650 (-) Land $28,350 Building $103,300 |
| 2024 | $1,761.00 (-22.01%) | $46,078 (+7.8%) Land $9,923 Building $36,155 | $131,650 (+7.8%) Land $28,350 Building $103,300 |
| 2023 | $2,258.00 (+0.89%) | $42,743 (+0.01%) Land $8,404 Building $34,339 | $122,120 (-) Land $24,010 Building $98,110 |
| 2022 | $2,238.00 | $42,740 Land $8,400 Building $34,340 | |
| 2021 | $122,120 Land $24,010 Building $98,110 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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