4115 Gary Ave, Lorain, OH 44055 Property Records

Lorain County property record for 4115 Gary Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 930 sqft · built 1961
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$111,500 (Oct 2023)
Tax Bill	$1,295 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-079-107-007`

Property Details

APN / Parcel Number

Primary APN	`03-00-079-107-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	930 sqft Living Area
1st Floor Area	930 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	145 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Patio Area	48 sqft
Canopy	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4115 GARY AVE
City	LORAIN
State	OH
Zip	44055-2849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 5 ADD C 53 X 145
Legal Subdivision	HOMEWOOD FIFTH ADDITION C
Legal Block	107
Legal Lot Number	1042F
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1021
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	4115 GARY AVE, LORAIN, OH 44055-2849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 7, 2018	Deed of Trust, Mortgage FIFTH THIRD BK
Jul 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on Record
Deed Sale	Oct 26, 2023 · Amount on Record
Deed Document Number	2023005813
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 26, 2023
Property Address	4115 GARY AVE, LORAIN, OH 44055-2849
Document Number	0000933905
Map Reference	VOL 22 PG 62
Instrument Date	Oct 12, 2023
Instrument	2023-0933905
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4115 GARY AVE, LORAIN, OH 44055-2849

Mortgage

Document Number	0000933906
Date	Oct 26, 2023
Instrument	2023-0933906

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4115 GARY AVE, LORAIN, OH 44055-2849
Document Number	0000676726
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jul 5, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4115 GARY AVE LORAIN OH 440552849, LORAIN, OH 44055-2849

Mortgage

Document Number	0000676726
Date	Jun 20, 2018
Instrument	676726

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4115 GARY AVE, LORAIN, OH 44055-2849
Document Number	0000638979
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4115 GARY AVE LORAIN OH 440552849, LORAIN, OH 44055-2849

Mortgage

Document Number	0000638979
Date	Aug 1, 2017
Instrument	638979

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

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	$1,295.00	$32,250 (+0.01%) Land $11,110 Building $21,140	$92,130 (-) Land $31,730 Building $60,400
2024	$1,295.00 (+57.54%)	$32,246 (+28.28%) Land $11,106 Building $21,140	$92,130 (+28.28%) Land $31,730 Building $60,400
2023	$822.00 (-1.67%)	$25,137 (-0.01%) Land $6,650 Building $18,487	$71,820 (-) Land $19,000 Building $52,820
2022	$836.00	$25,140 Land $6,650 Building $18,490
2021			$71,820 Land $19,000 Building $52,820

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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