3675 Palm Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3675 Palm Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,078 sqft · built 1947
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2023)
Tax Bill	$1,577 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-080-102-003`

Property Details

APN / Parcel Number

Primary APN	`03-00-080-102-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	736 sqft
Basement Area	712 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3675 PALM AVE
City	LORAIN
State	OH
Zip	44055-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD ADD 50 X 150
Legal Subdivision	HOMEWOOD ADD
Legal Block	102
Legal Lot Number	166
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1001
Census Tract	97500

Owner

Source: Lorain County records, as of May 6, 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	3675 PALM AVE, LORAIN, OH 44055-2861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
May 1, 2023	Warranty Deed, Transfer · FHA Mortgage COMMUNITY STAR CU INC
Mar 3, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Deed Document Number	2023914167
Prior Transfer Date	Feb 4, 2013
Prior Transfer Doc	20130447369
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Apr 24, 2026
Property Address	3675 PALM AVE, LORAIN, OH 44055-2861
Document Number	0000093162
Instrument Date	Apr 6, 2026
Instrument	202693162
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3675 PALM AVE, LORAIN, OH 44055-2861
Investor	Possibly a Property Investor

Mortgage

Document Number	0000093162,
Date	Apr 24, 2026
Instrument	202693162

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	May 1, 2053

Interest

Rate	6%
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	May 1, 2023
Property Address	3675 PALM AVE, LORAIN, OH 44055-2861
Document Number	0000914167
Map Reference	VOL 14 PG 22&23
Instrument Date	Apr 26, 2023
Instrument	2023-0914167
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3675 PALM AVE, LORAIN, OH 44055-2861

Mortgage

Document Number	0000914168
Date	May 1, 2023
Instrument	2023-0914168

Lender

Name	COMMUNITY STAR CU INC
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 3, 2021
Property Address	3675 PALM AVE, LORAIN, OH 44055-2861
Document Number	20210805510
Map Reference	VOL 14 PG 22&23
Instrument Date	Feb 26, 2021
Instrument	2021-0805510
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 WESTOVER DR # 14104, 14104, SANFORD, NC 27330-8941
Investor	Possibly a Property Investor

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	$1,577.00 (-7.24%)	$41,250 (%) Land $10,880 Building $30,370	$117,860 (-) Land $31,080 Building $86,780
2024	$1,700.00 (+25.37%)	$41,251 (+60.7%) Land $10,878 Building $30,373	$117,860 (+60.7%) Land $31,080 Building $86,780
2023	$1,356.00 (+0.89%)	$25,669 (%) Land $6,517 Building $19,152	$73,340 (-) Land $18,620 Building $54,720
2022	$1,344.00	$25,670 Land $6,520 Building $19,150
2021			$73,340 Land $18,620 Building $54,720

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 minimal risk
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	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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