3811 Harvard Dr, Lorain, OH 44055 Property Records

Lorain County property record for 3811 Harvard Dr, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 1960
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$104,000 (Aug 2021)
Tax Bill	$1,468 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-00-099-107-002`

Property Details

APN / Parcel Number

Primary APN	`03-00-099-107-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	131 ft deep x 63 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3811 HARVARD DR
City	LORAIN
State	OH
Zip	44055-2747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ACRES 6 62.50 X 131
Legal Subdivision	OAKWOOD ACRES 6 FRNT
Legal Block	107
Legal Lot Number	275
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2008
Census Tract	97500

Owner

Source: Lorain County records, as of March 20, 2026

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	3811 HARVARD DR, LORAIN, OH 44055-2747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Nov 19, 2013
Deed Document Number	2021005659
Record Updated	Jun 8, 2026

August 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 26, 2021
Property Address	3811 HARVARD DR, LORAIN, OH 44055-2747
Document Number	20210836084
Map Reference	VVOL 22 PG 81
Instrument Date	Aug 21, 2021
Instrument	2021-0836084
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 HARVARD DR, LORAIN, OH 44055-2747

Mortgage

Document Number	20210836085
Date	Aug 26, 2021
Instrument	2021-0836085

Lender

Name	FIRST CENTENNIAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$1,468.00	$38,400 (+0.01%) Land $5,430 Building $32,970	$109,700 (-) Land $15,500 Building $94,200
2024	$1,468.00 (-8.14%)	$38,395 (+23.76%) Land $5,425 Building $32,970	$109,700 (+23.76%) Land $15,500 Building $94,200
2023	$1,598.00 (+0.88%)	$31,025 (-0.02%) Land $6,038 Building $24,987	$88,640 (-) Land $17,250 Building $71,390
2022	$1,584.00	$31,030 Land $6,040 Building $24,990
2021			$88,640 Land $17,250 Building $71,390

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2023 · rainfall accumulation

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	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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