3909 Caferro Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3909 Caferro Ave, Lorain, OH 44055 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1964
Lot Size	0.21 acres (9,148 sqft)
Owner	Owner Name on File
Last Sale	$97,250 (Aug 2004)
Tax Bill	$571 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-100-109-041`

Property Details

APN / Parcel Number

Primary APN	`03-00-100-109-041`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,012 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	135 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3909 CAFERRO AVE
City	LORAIN
State	OH
Zip	44055-2648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD 7 63.60 X 139
Legal Subdivision	OAKWOOD ACRES SUBDIVISION #7
Legal Block	109
Legal Lot Number	502
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2011
Census Tract	97500

Owner

Source: Lorain County records · APN 03-00-100-109-041

Assessment roll updated August 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	3909 CAFERRO AVE, LORAIN, OH 44055-2648
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jul 15, 2019	Loan Modification, Mortgage · FHA Mortgage US BK
Feb 15, 2018	Deed of Trust, Mortgage · Line of Credit US DISTRICT COURT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2004 · Amount on Record
Deed Sale	Aug 06, 2004 · Amount on Record
Prior Sale	Jun 22, 2001
Deed Document Number	2004005264
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3909 CAFERRO AVE, LORAIN, OH 44055-2648
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 CAFERRO AVE, LORAIN, OH 44055-2648

Mortgage

Document Number	0000862219
Date	Feb 09, 2022
Instrument	2022-0862219

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2052

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LORAIN OH
Property Address	3909 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000721857
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 CAFERRO AVE LORAIN OH 440552648, LORAIN, OH 44055-2648

Mortgage

Document Number	0000721857
Date	Jul 15, 2019
Instrument	721857

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

Interest

Rate	4.62%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3909 CAFERRO AVE, LORAIN, OH 44055-2648
Document Number	0000664388
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2018
Title Company	ASSOCIATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 CAFERRO AVE LORAIN OH 440552648, LORAIN, OH 44055-2648

Mortgage

Document Number	0000664388
Date	Mar 12, 2018
Instrument	664388

Lender

Name	US DISTRICT COURT
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$571.00	$35,770 (-0.02%) Land $5,740 Building $30,030	$102,220 (-) Land $16,410 Building $85,810
2024	$571.00 (-62.78%)	$35,778 (+20.06%) Land $5,744 Building $30,034	$102,220 (+20.06%) Land $16,410 Building $85,810
2023	$1,534.00 (+0.85%)	$29,799 (%) Land $6,398 Building $23,401	$85,140 (-) Land $18,280 Building $66,860
2022	$1,521.00	$29,800 Land $6,400 Building $23,400
2021			$85,140 Land $18,280 Building $66,860

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390930975002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 498 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brightspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA, Cogeco Cable Holdings II, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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