Lorain County property record for 315 Florida Ave, Lorain, OH 44052
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,670 sqft · built 1900 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,700 (Nov 2019) |
| Tax Bill | $1,718 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-01-003-106-020 |
| Primary APN | 02-01-003-106-020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,670 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| 2nd Floor Area | 538 sqft |
| Upper Floors Area | 538 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 315 FLORIDA AVE |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44052-2146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAWLER 50 X 150 |
| Legal Subdivision | I D LAWLER TRUSTEES ADDITION |
| Legal Tract | 1 |
| Legal Block | 106 |
| Legal Lot Number | 46 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 22200 |
315 Florida Ave is owned and occupied by an individual who bought it in November 2019.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 315 FLORIDA AVE, LORAIN, OH 44052-2146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 4, 2019 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on File |
| Deed Sale | Nov 4, 2019 · Amount on File |
| Deed Document Number | 2019006836 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 315 FLORIDA AVE, LORAIN, OH 44052-2146 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 315 FLORIDA AVE, LORAIN, OH 44052-2146 |
| Document Number | 0000891227 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 2022-0891227 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 326 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 4, 2019 |
| Property Address | 315 FLORIDA AVE, LORAIN, OH 44052-2146 |
| Document Number | 0000736898 |
| Map Reference | VOL 3 PG 1 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 2019-0736898 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | ASSOCIATES TITLE INC |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 9 ENTIN RD STE 200, 200, PARSIPPANY, NJ 07054-5000 |
| Document Number | 0000736899 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 2019-0736899 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 315 Florida Ave was $1,718.
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 | $1,718.00 | $44,930 (-) Land $5,250 Building $39,680 | $128,370 (-) Land $15,000 Building $113,370 |
| 2024 | $1,718.00 (+31.85%) | $44,930 (+77.48%) Land $5,250 Building $39,680 | $128,370 (+77.48%) Land $15,000 Building $113,370 |
| 2023 | $1,303.00 (+0.85%) | $25,316 (-0.02%) Land $5,201 Building $20,115 | $72,330 Land $14,860 Building $57,470 |
| 2022 | $1,292.00 | $25,320 Land $5,200 Building $20,120 | |
| 2021 | $72,330 Land $14,860 Building $57,470 |
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 315 Florida Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 315 Florida Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 602 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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