3863 Gary Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3863 Gary Ave, Lorain, OH 44055

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,792 sqft · built 1948
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Sep 2008)
Tax Bill	$2,048 (2024)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-080-106-003`

Property Details

APN / Parcel Number

Primary APN	`03-00-080-106-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	108 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	3863 GARY AVE
City	LORAIN
State	OH
Zip	44055-2876
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOMEWOOD ADD 50 X 140 S/L 59
Legal Subdivision	HOMEWOOD ADD
Legal Block	106
Legal Lot Number	59
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1011
Census Tract	97500

Owner

Source: Lorain County records, as of April 23, 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	3863 GARY AVE, LORAIN, OH 44055-2876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2008 · Amount on Record
Deed Sale	Sep 30, 2008 · Amount on Record
Prior Sale	May 16, 2008 · Amount on Record
Deed Document Number	2008270483
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3863 GARY AVE, LORAIN, OH 44055-2876
Document Number	0000799227
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3863 GARY AVE LORAIN OH 440552876, LORAIN, OH 44055-2876

Mortgage

Document Number	0000799227
Date	Jan 21, 2021
Instrument	799227

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	204 Months
Due	Jan 20, 2038

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
2024	$2,048.00 (+12.96%)	$48,472 (+41.19%) Land $10,584 Building $37,888	$138,490 (+41.19%) Land $30,240 Building $108,250
2023	$1,813.00	$34,332 Land $6,339 Building $27,993	$98,090 Land $18,110 Building $79,980

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
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	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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