4109 Talbot Ln, Lorain, OH 44055 Property Records

Lorain County property record for 4109 Talbot Ln, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1954
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$46,000 (Mar 2018)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-079-122-002`

Property Details

APN / Parcel Number

Primary APN	`03-00-079-122-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	113 ft deep x 69 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Patio Area	120 sqft
Canopy	120 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4109 TALBOT LN
City	LORAIN
State	OH
Zip	44055-3759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 2 0069.00 X 0113.00
Legal Subdivision	HOMEWOOD SECOND ADDITION
Legal Block	122
Legal Lot Number	524
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	4
Census Block	4011
Census Tract	97500

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4109 TALBOT LN, LORAIN, OH 44055-3759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 27, 2018	Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2018 · Amount on Record
Deed Sale	Mar 27, 2018 · Amount on Record
Prior Sale	Mar 17, 1999 · Amount on Record
Deed Document Number	2018001377
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4109 TALBOT LN, LORAIN, OH 44055-3759
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 TALBOT LN, LORAIN, OH 44055-3759

Mortgage

Document Number	0000002801
Date	Feb 2, 2024
Instrument	2024-0002801

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 22, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 27, 2018
Property Address	4109 TALBOT LN, LORAIN, OH 44055-3759
Document Number	0000666196
Map Reference	MB 15 PG 78
Instrument Date	Mar 26, 2018
Instrument	2018-0666196
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 TALBOT LN, LORAIN, OH 44055-3759

Mortgage

Document Number	0000666197
Date	Mar 27, 2018
Instrument	2018-0666197

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$1,341.00	$35,090 (%) Land $11,310 Building $23,780	$100,260 (-) Land $32,320 Building $67,940
2024	$1,341.00 (+7.97%)	$35,091 (+45.45%) Land $11,312 Building $23,779	$100,260 (+45.45%) Land $32,320 Building $67,940
2023	$1,242.00 (+0.89%)	$24,126 (+0.02%) Land $6,773 Building $17,353	$68,930 (-) Land $19,350 Building $49,580
2022	$1,231.00	$24,120 Land $6,770 Building $17,350
2021			$68,930 Land $19,350 Building $49,580

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

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 332 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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