3901 Caferro Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3901 Caferro Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,312 sqft · built 1963
Lot Size	0.238 acres (10,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Nov 2024)
Tax Bill	$1,751 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-100-109-043`

Property Details

APN / Parcel Number

Primary APN	`03-00-100-109-043`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,012 sqft
Family Room	Family Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,347 sqft (0.238 acres)
Lot Dimensions	177 ft deep x 37.4 ft wide
Porch	Porch
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3901 CAFERRO AVE
City	LORAIN
State	OH
Zip	44055-2648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ACRES 7 37.35 X 177
Legal Subdivision	OAKWOOD ACRES 7
Legal Block	109
Legal Lot Number	500
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2011
Census Tract	97500

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	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Quit Claim Deed, Transfer · FHA Mortgage LENDUS LLC
Jul 31, 2019	Warranty Deed, Transfer MILLER HOME TITLE
Apr 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2024 · Amount on Record
Deed Sale	Nov 19, 2024 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	202433900
Prior Transfer Date	Mar 30, 2019
Prior Transfer Doc	0000709480
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000863325
Date	Feb 17, 2022
Instrument	2022-0863325

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jan 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 29, 2020
Property Address	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000780998
Instrument Date	Sep 24, 2020
Instrument	780998
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	MILLER HOME TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 CAFERRO AVE LORAIN OH 440552648, LORAIN, OH 44055-2648

Mortgage

Document Number	780999
Date	Sep 29, 2020
Instrument	780999

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 31, 2019
Property Address	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000724238
Instrument Date	Jul 29, 2019
Instrument	724238
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Tax	$160.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 EDISON DR VERMILION OH 440893614, VERMILION, OH 44089-3614

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 2, 2019
Property Address	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000709479
Instrument Date	Mar 30, 2019
Instrument	709479
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$270.80
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9766 TURNING WHEEL DR CHARLOTTE NC 282140038, CHARLOTTE, NC 28214-0038

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 2, 2019
Property Address	3901 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000709480
Instrument Date	Mar 30, 2019
Instrument	709480
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9766 TURNING WHEEL DR CITY OF CHARLOTTE NC, CITY OF CHARLOTTE, NC

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	$1,751.00	$45,800 (-0.01%) Land $4,200 Building $41,600	$130,870 (-) Land $12,000 Building $118,870
2024	$1,751.00 (-29.99%)	$45,805 (-5.69%) Land $4,200 Building $41,605	$130,870 (-5.69%) Land $12,000 Building $118,870
2023	$2,501.00 (+0.89%)	$48,570 (-) Land $5,478 Building $43,092	$138,770 (-) Land $15,650 Building $123,120
2022	$2,479.00	$48,570 Land $5,480 Building $43,090
2021			$138,770 Land $15,650 Building $123,120

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2023)
Claims Outside the SFHA	1 of 2
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	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 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, T-Mobile.

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