3847 Reserve Trl, Lorain, OH 44053 Property Records

Lorain County property record for 3847 Reserve Trl, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,314 sqft · built 2016
Lot Size	0.525 acres (22,911 sqft)
Owner	2 Individual Names on Record
Tax Bill	$284 (2023)
Deeds & Mortgages	Aug 2023 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-001-108-054`

Property Details

APN / Parcel Number

Primary APN	`02-03-001-108-054`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,314 sqft Living Area

Exterior

Year Built	Built 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	22,911 sqft
Lot Dimensions	155 ft deep x 147 ft wide
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	473 sqft
Deck Area	64 sqft
Patio Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3847 RESERVE TRL
City	LORAIN
State	OH
Zip	44053-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVE AT MARTINS RUN SUB 1 47.10 X 155.75
Legal Subdivision	THE RESERVE AT MARTINS RUN SUBDIVISION
Legal Lot Number	11
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
Co-owner	Co-owner on Record
Mailing Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage DOLLAR BANK FSB
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage LENDUS LLC
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage LENDUS LLC
Mar 23, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2015
Deed Sale	Sep 23, 2015
Prior Sale	Jun 4, 2015 · Amount on Record
Deed Document Number	2015094602
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Investor	Possibly a Property Investor

Mortgage

Document Number	0000925101
Date	Aug 9, 2023
Instrument	2023-0925101

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Document Number	0000789909
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3847 RESERVE TRL LORAIN OH 440531606, LORAIN, OH 44053-1606

Mortgage

Document Number	0000789909
Date	Nov 20, 2020
Instrument	789909

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Document Number	0000749129
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	OHIO LANDMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3847 RESERVE TRL LORAIN OH 440531606, LORAIN, OH 44053-1606

Mortgage

Document Number	0000749129
Date	Feb 13, 2020
Instrument	749129

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

March 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LORAIN OH
Recording Date	Mar 23, 2017
Property Address	3847 RESERVE TRL, LORAIN, OH 44053-1606
Document Number	0000623281
Instrument Date	Mar 23, 2017
Instrument	623281
Transaction Type	Transfer
Record Updated	Jun 30, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3847 RESERVE TRL LORAIN OH 440531606, LORAIN, OH 44053-1606

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		$140,560 (+489.55%) Land $26,950 Building $113,610	$401,610 (+489.56%) Land $77,000 Building $324,610
2023	$284.00 (-12.07%)	$23,842 (+0.01%) Land $23,842	$68,120 (-) Land $68,120
2022	$323.00	$23,840 Land $23,840
2021			$68,120 Land $68,120

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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