Lorain County property record for 3972 Edgewater Dr, Vermilion, OH 44089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1973 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $248,000 (Nov 2016) |
| Tax Bill | $5,681 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-00-002-102-055 |
| Primary APN | 01-00-002-102-055 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 168 ft deep x 89 ft wide |
| Garage Type | Attached |
| Garage Area | 357 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 119 sqft |
| Deck Area | 276 sqft |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3972 EDGEWATER DR |
|---|---|
| City | VERMILION |
| State | OH |
| Zip | 44089-2292 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VERM ON LAKE FRNT 0091.60 DPTH 0200.00 |
| Legal Subdivision | VERM ON LAKE FRNT |
| Legal Block | 102 |
| Legal Lot Number | 11-2 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | BROWNHELM |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30101 |
3972 Edgewater Dr is owned and occupied by an individual who bought it in November 2016.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3972 EDGEWATER DR, VERMILION, OH 44089-2292 |
| 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.
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK |
| Jan 24, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2016 · Amount on File |
| Deed Sale | Nov 9, 2016 · Amount on File |
| Deed Document Number | 2016005856 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3972 EDGEWATER DR, VERMILION, OH 44089-2292 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2024 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3972 EDGEWATER DR, VERMILION, OH 44089-2292 |
| Document Number | 0000010916 |
|---|---|
| Date | Apr 24, 2024 |
| Instrument | 2024-0010916 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCKY RIVER, OH 44116 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 21, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 3972 EDGEWATER DR, VERMILION, OH 44089-2292 |
| Document Number | 0000617669 |
| Instrument Date | Jan 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3972 EDGEWATER DR VERMILION OH 440892292, VERMILION, OH 44089-2292 |
| Document Number | 0000617669 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 617669 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | WESTLAKE, OH 44145 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3972 Edgewater Dr was $5,681.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Brownhelm Township |
| Municipality | Vermilion City |
| Unified School District | Vermilion Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,681.00 | $115,270 (+%) Land $72,810 Building $42,460 | $329,340 (-) Land $208,020 Building $121,320 |
| 2024 | $5,681.00 (+10.25%) | $115,269 (+18.79%) Land $72,807 Building $42,462 | $329,340 (+18.79%) Land $208,020 Building $121,320 |
| 2023 | $5,153.00 (+0.72%) | $97,038 (+0.01%) Land $70,914 Building $26,124 | $277,250 Land $202,610 Building $74,640 |
| 2022 | $5,116.00 | $97,030 Land $70,910 Building $26,120 | |
| 2021 | $277,250 Land $202,610 Building $74,640 |
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 3972 Edgewater Dr 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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 3972 Edgewater 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 | VERMILION CITY serves 10,594 people · EPA ID OH2201511 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 340 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 |
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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