3838 Reserve Trl, Lorain, OH 44053 Property Records

Lorain County property record for 3838 Reserve Trl, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,092 sqft · built 2006
Lot Size	0.6 acres (27,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,500 (Jan 2013)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-03-001-108-056`

Property Details

APN / Parcel Number

Primary APN	`02-03-001-108-056`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	2,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	27,788 sqft (0.6 acres)
Lot Dimensions	182 ft deep x 152 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	121 sqft
Deck Area	188 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3838 RESERVE TRL
City	LORAIN
State	OH
Zip	44053-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE MARTINS RUN SUB 1 52.65 X 182.04
Legal Subdivision	RESERVE MARTINS RUN SUB 1
Legal Tract	3
Legal Block	108
Legal Lot Number	13
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1019
Census Tract	97202

Owner

Source: Lorain County records, as of July 7, 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	3838 RESERVE TRL, LORAIN, OH 44053-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2013 · Amount on Record
Deed Sale	Jan 16, 2013 · Amount on Record
Prior Sale	Sep 27, 2012 · Amount on Record
Deed Document Number	2013444401
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3838 RESERVE TRL, LORAIN, OH 44053-1607
Document Number	0000749369
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3838 RESERVE TRL LORAIN OH 440531607, LORAIN, OH 44053-1607

Mortgage

Document Number	0000749369
Date	Feb 14, 2020
Instrument	749369

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 13, 2045

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3838 RESERVE TRL, LORAIN, OH 44053-1607
Document Number	0000646390
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	ASSOCIATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3838 RESERVE TRL LORAIN OH 440531607, LORAIN, OH 44053-1607

Mortgage

Document Number	0000646390
Date	Oct 2, 2017
Instrument	646390

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
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	$3,720.00 (-19.69%) Homeowner's exemption	$97,300 (-) Land $26,950 Building $70,350	$278,000 (-) Land $77,000 Building $201,000
2024		$97,300 (+8.17%) Land $26,950 Building $70,350	$278,000 (+8.17%) Land $77,000 Building $201,000
2023	$4,632.00 (-3.92%)	$89,954 (+%) Land $23,842 Building $66,112	$257,010 (-) Land $68,120 Building $188,890
2022	$4,821.00	$89,950 Land $23,840 Building $66,110
2021			$257,010 Land $68,120 Building $188,890

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
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	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 279 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 / 35

May also be available: Verizon.

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