409 W 28th St, Lorain, OH 44055 Property Records

Lorain County property record for 409 W 28th St, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,353 sqft · built 1900
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Tax Bill	$957 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-01-003-197-009`

Property Details

APN / Parcel Number

Primary APN	`02-01-003-197-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,353 sqft Living Area
1st Floor Area	681 sqft
Basement Area	672 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	121 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	409 W 28TH ST
City	LORAIN
State	OH
Zip	44055-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRIFFIN & WASHBURN ADD 40 X 120
Legal Subdivision	GRIFFIN & WASHBURN ADD
Legal Tract	01
Legal Block	197
Legal Lot Number	1 & 2
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1017
Census Tract	23300

Owner

409 W 28th St is owned and occupied by an individual who acquired it in May 2017.

Source: Lorain County records, as of June 3, 2026

Owner of Record	Individual Name on File
Mailing Address	409 W 28TH ST, LORAIN, OH 44055-1005
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FED SAVINGS & LOAN ASSN OF LORAIN
May 31, 2017	Quit Claim Deed, Mortgage · Line of Credit FIRST FED'L S&L ASSN/LORAIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017
Deed Sale	May 31, 2017
Prior Sale	Oct 7, 2008 · Amount on File
Deed Document Number	2017631286
Prior Transfer Date	May 26, 2017
Prior Transfer Doc	0000631286
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	409 W 28TH ST, LORAIN, OH 44055-1005
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033376
Date	Nov 14, 2024
Instrument	2024-0033376

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Type	Bank
Address	LORAIN, OH 44053

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Sep 8, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	May 31, 2017
Property Address	409 W 28TH ST, LORAIN, OH 44055-1005
Document Number	0000631286
Instrument Date	May 26, 2017
Instrument	631286
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	MILLER HOME TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W 2E ST LORAIN OH 44055, LORAIN, OH 44055

Mortgage

Document Number	631287
Date	May 31, 2017
Instrument	631287

Lender

Name	FIRST FED'L S&L ASSN/LORAIN
Address	LORAIN, OH 44053

Agreement

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

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 W 28th St was $957 with a homeowner's exemption.

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	$957.00 Homeowner's exemption	$25,030 (-0.02%) Land $2,720 Building $22,310	$71,530 (-) Land $7,780 Building $63,750
2024	$957.00 (-6.45%)	$25,036 (+26%) Land $2,723 Building $22,313	$71,530 (+26%) Land $7,780 Building $63,750
2023	$1,023.00 (+0.89%)	$19,870 (-) Land $2,461 Building $17,409	$56,770 Land $7,030 Building $49,740
2022	$1,014.00	$19,870 Land $2,460 Building $17,410
2021			$56,770 Land $7,030 Building $49,740

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

Flood

FEMA maps place 409 W 28th St in Zone X, an area of minimal flood risk.

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

The area around 409 W 28th St 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.

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 680 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: T-Mobile.

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