Lorain County property record for 35100 Cooley Rd, Grafton, OH 44044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,890 sqft · built 2022 |
| Lot Size | 1.38 acres (60,113 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $59,900 (Apr 2021) |
| Tax Bill | $8,359 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jul 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00-033-000-042 |
| Primary APN | 11-00-033-000-042 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 3,511 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 60,113 sqft (1.38 acres) |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 35100 COOLEY RD |
|---|---|
| City | GRAFTON |
| State | OH |
| Zip | 44044-9477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | EATON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 91100 |
Source: Lorain County records · APN 11-00-033-000-042
Assessment roll updated May 16, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41811 EMERSON CT, ELYRIA, OH 44035-2535 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 19, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 15, 2022 | Deed of Trust, Mortgage · Construction Mortgage DOLLAR BANK FSB |
| Apr 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Deed Document Number | 2021815144 |
| Prior Transfer Date | Dec 20, 2019 |
| Prior Transfer Doc | 0000745269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 35100 COOLEY RD, GRAFTON, OH 44044-9477 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 35100 COOLEY RD, GRAFTON, OH 44044-9477 |
| Document Number | 0000075842 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 2025-0075842 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 35100 COOLEY RD, GRAFTON, OH 44044-9477 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000883443 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 2022-0883443 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Address | CANTON, OH 44711 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 29, 2021 |
| Property Address | 35100 COOLEY RD, GRAFTON, OH 44044-9477 |
| Document Number | 0000815144 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 2021-0815144 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2023 |
| Title Company | BARRISTERS OF OHIO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 5 COOLEY ROAD, GRAFTON, OH 44044 |
| Document Number | 0000815145 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021-0815145 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2041 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Eaton Township |
| Unified School District | Midview Local School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,359.00 (+2.69%) | $181,120 (+%) Land $21,940 Building $159,180 | $517,480 (-) Land $62,680 Building $454,800 |
| 2024 | $8,140.00 (-9.48%) | $181,118 (-1.19%) Land $21,938 Building $159,180 | $517,480 (-1.19%) Land $62,680 Building $454,800 |
| 2023 | $8,992.00 (+2,469.14%) | $183,292 (+6,134.42%) Land $19,194 Building $164,098 | $523,690 (+6,134.4%) Land $54,840 Building $468,850 |
| 2022 | $350.00 | $2,940 Land $2,940 | |
| 2021 | $8,400 Land $8,400 |
Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 10 (2011–2025) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Jun 2025 · other causes |
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GLW Broadband Cable | 1,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
Based on FCC filings for 50 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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