3843 Reserve Trl, Lorain, OH 44053 Property Records

Lorain County property record for 3843 Reserve Trl, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,206 sqft · built 2005
Lot Size	0.68 acres (29,652 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,900 (May 2017)
Tax Bill	$3,211 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-001-108-053`

Property Details

APN / Parcel Number

Primary APN	`02-03-001-108-053`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,206 sqft Living Area
1st Floor Area	1,582 sqft
Upper Floors Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	29,652 sqft
Lot Dimensions	200 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	544 sqft
Porch	Open Porch
Porch Area	290 sqft
Patio Area	476 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3843 RESERVE TRL
City	LORAIN
State	OH
Zip	44053-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE MARTINS RUN SUB 1 48.26 X 200
Legal Subdivision	THE RESERVE AT MARTINS RUN SUBDIVISION
Legal Lot Number	10
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1019
Census Tract	97202

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	2 Individual Names on Record
Mailing Address	3843 RESERVE TRL, LORAIN, OH 44053-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP
Mar 11, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS LNDG
May 3, 2017	Grant Deed, Transfer · VA Mortgage NATIONAL LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on Record
Deed Sale	May 3, 2017 · Amount on Record
Prior Sale	Feb 11, 2016 · Amount on Record
Deed Document Number	2017002075
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3843 RESERVE TRL, LORAIN, OH 44053-1606
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000808180
Date	Mar 18, 2021
Instrument	2021-0808180

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3843 RESERVE TRL, LORAIN, OH 44053-1606
Document Number	0000753372
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3843 RESERVE TRL LORAIN OH 440531606, LORAIN, OH 44053-1606

Mortgage

Document Number	0000753372
Date	Mar 20, 2020
Instrument	753372

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	May 3, 2017
Property Address	3843 RESERVE TRL, LORAIN, OH 44053-1606
Document Number	0000628198
Instrument Date	Apr 30, 2017
Instrument	628198
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3843 RESERVE TRL LORAIN OH 440531606, LORAIN, OH 44053-1606

Mortgage

Document Number	628199
Date	May 3, 2017
Instrument	628199

Lender

Name	NATIONAL LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2047

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	$3,211.00	$125,500 (+%) Land $26,950 Building $98,550	$358,560 (-) Land $77,000 Building $281,560
2024	$3,211.00 (-23.33%)	$125,496 (+26.02%) Land $26,950 Building $98,546	$358,560 (+26.02%) Land $77,000 Building $281,560
2023	$4,188.00 (-0.1%)	$99,586 (+0.01%) Land $23,842 Building $75,744	$284,530 (-) Land $68,120 Building $216,410
2022	$4,192.00	$99,580 Land $23,840 Building $75,740
2021			$284,530 Land $68,120 Building $216,410

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 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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