Lorain County property record for 3909 Carrie Dr, Lorain, OH 44055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,040 sqft · built 1960 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Apr 2026) |
| Tax Bill | $918 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00-099-105-017 |
| Primary APN | 03-00-099-105-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 146 ft deep x 61 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Street Address | 3909 CARRIE DR |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44055-2745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKWOOD ACRES 4 60.84 X 145 |
| Legal Subdivision | OAKWOOD ACRES 4 |
| Legal Block | 105 |
| Legal Lot Number | 286 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 97500 |
3909 Carrie Dr is owned and occupied by two individuals who bought it in April 2026.
Source: Lorain County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3909 CARRIE DR, LORAIN, OH 44055-2745 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on File |
| Deed Sale | Apr 7, 2026 · Amount on File |
| Prior Sale | Oct 14, 2008 · Amount on File |
| Deed Document Number | 202690895 |
| Prior Transfer Date | Feb 28, 2011 |
| Prior Transfer Doc | 0000368689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 7, 2026 |
| Property Address | 3909 CARRIE DR, LORAIN, OH 44055-2745 |
| Document Number | 0000090895 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202690895 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3909 CARRIE DR, LORAIN, OH 44055-2745 |
| Document Number | 0000090896, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 202690896 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 3909 Carrie Dr was $918, down 5% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Lorain City |
| Unified School District | Lorain City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $918.00 (-4.97%) | $22,870 (+%) Land $5,590 Building $17,280 | $65,340 (-) Land $15,980 Building $49,360 |
| 2024 | $966.00 (-28.34%) | $22,869 (-10.38%) Land $5,593 Building $17,276 | $65,340 (-10.38%) Land $15,980 Building $49,360 |
| 2023 | $1,348.00 (+0.9%) | $25,519 (%) Land $6,220 Building $19,299 | $72,910 Land $17,770 Building $55,140 |
| 2022 | $1,336.00 | $25,520 Land $6,220 Building $19,300 | |
| 2021 | $72,910 Land $17,770 Building $55,140 |
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.
FEMA maps place 3909 Carrie Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.
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 File 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.
The area around 3909 Carrie Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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