3656 Gary Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3656 Gary Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1959
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,479 (Dec 2012)
Tax Bill	$1,186 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-00-099-104-004`

Property Details

APN / Parcel Number

Primary APN	`03-00-099-104-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3656 GARY AVE
City	LORAIN
State	OH
Zip	44055-2879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD ADD 50 X 130
Legal Subdivision	HOMEWOOD ADD
Legal Block	104
Legal Lot Number	129
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1006
Census Tract	97500

Owner

Source: Lorain County records, as of January 20, 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 Record
Mailing Address	3656 GARY AVE, LORAIN, OH 44055-2879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2012 · Amount on Record
Deed Sale	Dec 19, 2012 · Amount on Record
Prior Sale	Jul 31, 2003
Deed Document Number	2012441257
Prior Transfer Date	Jun 30, 2006
Prior Transfer Doc	0000151617
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Jun 9, 2021
Property Address	3656 GARY AVE, LORAIN, OH 44055-2879
Document Number	20210822250
Map Reference	VOL 14 PG 22&23
Instrument Date	Jun 1, 2021
Instrument	2021-0822250
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2477 MORGAN SPRING LN, BUFORD, GA 30519-5509

Mortgage

Document Number	20210822251
Date	Jun 9, 2021
Instrument	2021-0822251

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Lorain City
Unified School District	Lorain City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,186.00 (-4.89%)	$29,530 (-0.01%) Land $10,190 Building $19,340	$84,380 (-) Land $29,120 Building $55,260
2024	$1,247.00 (+11.74%)	$29,533 (+39.72%) Land $10,192 Building $19,341	$84,380 (+39.73%) Land $29,120 Building $55,260
2023	$1,116.00 (+0.81%)	$21,137 (-0.01%) Land $4,862 Building $16,275	$60,390 (-) Land $13,890 Building $46,500
2022	$1,107.00	$21,140 Land $4,860 Building $16,280
2021			$60,390 Land $13,890 Building $46,500

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

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 563 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

May also be available: Breezeline.

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