38726 Smith Rd, Litchfield, OH 44253 Property Records

Lorain County property record for 38726 Smith Rd, Litchfield, OH 44253

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,712 sqft · built 1994
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Tax Bill	$4,444 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-01-060-000-009`

Property Details

APN / Parcel Number

Primary APN	`19-01-060-000-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,488 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	174,240 sqft (4 acres)
Garage Type	Mixed
Garage Area	1,336 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	38726 SMITH RD
City	LITCHFIELD
State	OH
Zip	44253-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -008
Legal Subdivision	ORIGINAL PENFIELD TOWNSHIP
Legal Tract	1
Legal Lot Number	60
Jurisdiction	LORAIN OH
Township / Civil Division	PENFIELD
Census Block Group	2
Census Block	2088
Census Tract	94101

Owner

38726 Smith Rd is owned and occupied by an individual who acquired it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Affidavit of Death of Joint Tenant, Transfer NEW LAND TITLE AGENCY, NETWORK LAND TITLE AGENCY
Jan 9, 2024	Warranty Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Jan 20, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2024
Deed Sale	Jan 9, 2024
Prior Sale	Jan 9, 2024
Deed Document Number	2024090066
Record Updated	Jun 8, 2026

January 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LORAIN OH
Recording Date	Jan 9, 2024
Property Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609
Document Number	0000000788
Instrument Date	Jan 8, 2024
Instrument	2024-0000788
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	NEW LAND TITLE AGENCY, NETWORK LAND TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 9, 2024
Property Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609
Document Number	0000000789
Instrument Date	Jan 8, 2024
Instrument	2024-0000789
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	NEW LAND TITLE AGENCY, NETWORK LAND TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609

Mortgage

Document Number	0000000790
Date	Jan 9, 2024
Instrument	2024-0000790

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	KINGDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38726 SMITH RD, LITCHFIELD, OH 44253-9609

Mortgage

Document Number	0000859505
Date	Jan 20, 2022
Instrument	2022-0859505

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 38726 Smith Rd was $4,444.

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Penfield Township
Unified School District	Keystone Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,444.00	$106,740 (-) Land $25,890 Building $80,850	$304,970 (-) Land $73,960 Building $231,010
2024	$4,444.00 (+22.12%)	$106,740 (+32.14%) Land $25,886 Building $80,854	$304,970 (+32.14%) Land $73,960 Building $231,010
2023	$3,639.00 (+0.14%)	$80,781 (+%) Land $23,118 Building $57,663	$230,800 Land $66,050 Building $164,750
2022	$3,634.00	$80,780 Land $23,120 Building $57,660
2021			$230,800 Land $66,050 Building $164,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38726 Smith Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	May 2021 · river or lake flooding

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

Wildfire risk around 38726 Smith Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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