318 State St, Kipton, OH 44049 Property Records

Lorain County property record for 318 State St, Kipton, OH 44049

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,624 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Tax Bill	$978 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-11-015-103-012`

Property Details

APN / Parcel Number

Primary APN	`13-11-015-103-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
Gross Area	1,674 sqft
1st Floor Area	1,128 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	130 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	318 STATE ST
City	KIPTON
State	OH
Zip	44049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURVEYNEEDED MAPDEPT0625A20010789496
Legal Subdivision	VILLAGE/KIPTON 11
Legal Tract	11
Legal Block	103
Legal Lot Number	15
Jurisdiction	LORAIN OH
Township / Civil Division	CAMDEN
Census Block Group	1
Census Block	1023
Census Tract	93100

Owner

Source: Lorain County records, as of May 16, 2025

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	PO BOX 9, KIPTON, OH 44049-0009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 9, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 20, 2017
Transfer Doc	20170645273
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	318 STATE ST, KIPTON, OH 44049
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 STATE ST, KIPTON, OH 44049

Mortgage

Document Number	0000934550
Date	Nov 1, 2023
Instrument	2023-0934550

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	318 STATE ST, KIPTON, OH 44049
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 STATE STREET, KIPTON, OH 44049

Mortgage

Document Number	0000889946
Date	Sep 2, 2022
Instrument	2022-0889946

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	318 STATE ST, KIPTON, OH 44049
Document Number	0000679415
Instrument Date	Jun 9, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	318 STATE ST KIPTON OH 44049, KIPTON, OH 44049

Mortgage

Document Number	0000679415
Date	Jul 12, 2018
Instrument	679415

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

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
County Subdivision	Camden Township
Municipality	Kipton Village
Unified School District	Firelands Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$978.00 (-41.85%) Homeowner's exemption	$40,670 (+0.01%) Land $2,900 Building $37,770	$116,190 (-) Land $8,280 Building $107,910
2024	$1,682.00 (+78.37%)	$40,667 (+55.94%) Land $2,898 Building $37,769	$116,190 (+55.94%) Land $8,280 Building $107,910
2023	$943.00 (-3.97%)	$26,079 (%) Land $1,551 Building $24,528	$74,510 (-) Land $4,430 Building $70,080
2022	$982.00	$26,080 Land $1,550 Building $24,530
2021			$74,510 Land $4,430 Building $70,080

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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