3982 Gary Ave, Lorain, OH 44055 Property Records

Lorain County property record for 3982 Gary Ave, Lorain, OH 44055

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,792 sqft · built 1949
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Nov 2020)
Tax Bill	$2,007 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-099-115-025`

Property Details

APN / Parcel Number

Primary APN	`03-00-099-115-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Multi-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	3982 GARY AVE
City	LORAIN
State	OH
Zip	44055-2873
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOMEWOOD 50 X 150
Legal Subdivision	HOMEWOOD
Legal Block	115
Legal Lot Number	45
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1010
Census Tract	97500

Owner

Source: Lorain County records, as of May 27, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3982 GARY AVE, 3984, LORAIN, OH 44055-2873
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Nov 10, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	2020788093
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 15, 2026
Property Address	3982 GARY AVE, LORAIN, OH 44055-2873
Document Number	0000095967
Instrument Date	May 15, 2026
Instrument	202695967
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CROSSCOUNTRY MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095967,
Date	May 15, 2026
Instrument	202695967

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	295 Months
Due	Dec 1, 2050

Interest

Rate	6.3%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 10, 2020
Property Address	3984 GARY AVE, LORAIN, OH 44055-2873
Document Number	0000788093
Instrument Date	Nov 7, 2020
Instrument	788093
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3982 GARY AVE LORAIN OH 440552873, LORAIN, OH 44055-2873

Mortgage

Document Number	788094
Date	Nov 10, 2020
Instrument	788094

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

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	$2,007.00 (-4.93%)
2024	$2,111.00 (+25.88%)	$49,973 (+57.4%) Land $10,878 Building $39,095	$142,780 (+57.4%) Land $31,080 Building $111,700
2023	$1,677.00	$31,749 Land $5,187 Building $26,562	$90,710 Land $14,820 Building $75,890

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline.

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