4125 Gary Ave, Lorain, OH 44055 Property Records

Lorain County property record for 4125 Gary Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,090 sqft · built 1961
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$47,000 (Jul 2021)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-079-107-009`

Property Details

APN / Parcel Number

Primary APN	`03-00-079-107-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,090 sqft Living Area
Gross Area	1,290 sqft
1st Floor Area	1,290 sqft

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 (0.17 acres)
Lot Dimensions	141 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	84 sqft
Deck Area	280 sqft
Patio Area	372 sqft
Canopy	40 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	4125 GARY AVE
City	LORAIN
State	OH
Zip	44055-2849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 5 ADD 53 X 145
Legal Subdivision	HOMEWOOD 5
Legal Block	107
Legal Lot Number	1042D
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1021
Census Tract	97500

Owner

4125 Gary Ave is owned and occupied by an individual who bought it in July 2021.

Source: Lorain County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	4125 GARY AVE, LORAIN, OH 44055-2849
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 3, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 25, 2022	Warranty Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP
Jul 12, 2021	Warranty Deed, Transfer · Line of Credit BENTLEY CAPITAL GROUP LLC
Apr 30, 2021	Sheriff's Deed, Foreclosure Foreclosure Auction
Sep 24, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	2021827976
Prior Transfer Date	Mar 26, 2004
Prior Transfer Doc	0000993950
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4125 GARY AVE, LORAIN, OH 44055-2849
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 GARY AVE, LORAIN, OH 44055-2849

Mortgage

Document Number	0000073769
Date	Nov 3, 2025
Instrument	2025-0073769

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 25, 2022
Property Address	4125 GARY AVE, LORAIN, OH 44055-2849
Document Number	0000860112
Instrument Date	Jan 24, 2022
Instrument	2022-0860112
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
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	4125 GARY AVE, LORAIN, OH 44055-2849

Mortgage

Document Number	0000860113
Date	Jan 25, 2022
Instrument	2022-0860113

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 12, 2021
Property Address	4125 GARY AVE, LORAIN, OH 44055-2849
Document Number	20210827976
Map Reference	VOL 22 PG 54&62
Instrument Date	May 7, 2021
Instrument	2021-0827976
Transaction Type	Transfer
Record Updated	Jul 21, 2021

Transaction

Amount	Amount 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	25715 HILLIARD BLVD, WESTLAKE, OH 44145-3311

Mortgage

Document Number	20210827977
Date	Jul 12, 2021
Instrument	2021-0827977

Lender

Name	BENTLEY CAPITAL GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 14, 2022

April 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 30, 2021
Property Address	4125 GARY AVE, LORAIN, OH 44055-2849
Document Number	20210815396
Map Reference	VOL 22 PG 62
Instrument Date	Apr 29, 2021
Instrument	2021-0815396
Transaction Type	Foreclosure
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 24, 2018
Property Address	4125 GARY AVE, LORAIN, OH 44055-2849
Document Number	0000688685
Instrument Date	Sep 1, 2018
Instrument	688685
Transaction Type	Transfer
Record Updated	Oct 8, 2018

Transaction

Amount	Amount on Record
Tax	$153.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4125 GARY AVE LORAIN OH 440552849, LORAIN, OH 44055-2849

Tax Assessment & Valuation

The 2025 property tax bill for 4125 Gary Ave was $1,364 with a homeowner's exemption, down 7.2% from the year before.

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	$1,364.00 (-7.21%) Homeowner's exemption	$35,670 (-0.01%) Land $10,900 Building $24,770	$101,920 (-) Land $31,140 Building $70,780
2024	$1,470.00 (+10.19%)	$35,672 (+37.71%) Land $10,899 Building $24,773	$101,920 (+37.71%) Land $31,140 Building $70,780
2023	$1,334.00 (-1.69%)	$25,904 (-0.02%) Land $6,528 Building $19,376	$74,010 Land $18,650 Building $55,360
2022	$1,357.00	$25,910 Land $6,530 Building $19,380
2021			$74,010 Land $18,650 Building $55,360

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

Flood

FEMA maps place 4125 Gary Ave 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 4125 Gary Ave 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 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.

Nearby Properties on Gary Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures