401 N Main St, Amherst, OH 44001 Property Records

Lorain County property record for 401 N Main St, Amherst, OH 44001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Tax Bill	$2,758 (2025)
Deeds & Mortgages	Aug 2022 Transfer Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-00-023-103-015`

Property Details

APN / Parcel Number

Primary APN	`05-00-023-103-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,884 sqft Living Area
1st Floor Area	1,028 sqft
2nd Floor Area	856 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	123 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	176 sqft
Deck Area	382 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	401 N MAIN ST
City	AMHERST
State	OH
Zip	44001-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60.00 X 123.00
Legal Subdivision	AMHERST
Legal Block	103
Legal Lot Number	23
Jurisdiction	LORAIN OH
Township / Civil Division	AMHERST
Census Block Group	2
Census Block	2033
Census Tract	50200

Owner

Source: Lorain County records, as of March 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	401 N MAIN ST, AMHERST, OH 44001-1429
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Intrafamily Transfer, Transfer
Mar 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
May 19, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 9, 2022
Transfer Doc	0000886715
Record Updated	Jun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Aug 9, 2022
Property Address	401 N MAIN ST, AMHERST, OH 44001-1429
Document Number	0000886715
Instrument Date	May 18, 2022
Instrument	2022-0886715
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N MAIN ST, AMHERST, OH 44001-1429

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	401 N MAIN ST, AMHERST, OH 44001-1429
Document Number	0000709211
Instrument Date	Mar 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	THIRD CAPITAL

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	401 N MAIN ST AMHERST OH 440011429, AMHERST, OH 44001-1429

Mortgage

Document Number	0000709211
Date	Apr 1, 2019
Instrument	709211

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 31, 2029

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	401 N MAIN ST, AMHERST, OH 44001-1429
Document Number	0000631377
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 N MAIN ST AMHERST OH 440011429, AMHERST, OH 44001-1429

Mortgage

Document Number	0000631377
Date	May 31, 2017
Instrument	631377

Lender

Name	THIRD FED'L S&L
Type	Federal Savings Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105-1441

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Amherst City
County	Lorain County
Unified School District	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,758.00	$67,240 (%) Land $10,210 Building $57,030	$192,120 (-) Land $29,180 Building $162,940
2024	$2,758.00 (+56.53%)	$67,242 (+82.74%) Land $10,213 Building $57,029	$192,120 (+82.75%) Land $29,180 Building $162,940
2023	$1,762.00 (+4.32%)	$36,796 (-0.01%) Land $9,891 Building $26,905	$105,130 (-) Land $28,260 Building $76,870
2022	$1,689.00	$36,800 Land $9,890 Building $26,910
2021			$105,130 Land $28,260 Building $76,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	12 (1979–2014)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2014 · 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	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	AMHERST CITY PWS serves 11,797 people · EPA ID OH4700003
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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