41538 Rachael Dr, Lagrange, OH 44050 Property Records

Lorain County property record for 41538 Rachael Dr, Lagrange, OH 44050

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,795 sqft · built 1998
Lot Size	1.66 acres (72,310 sqft)
Owner	Owner Name on File
Last Sale	$210,000 (May 2013)
Tax Bill	$4,965 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-00-017-000-024`

Property Details

APN / Parcel Number

Primary APN	`15-00-017-000-024`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,795 sqft Living Area
1st Floor Area	1,104 sqft
Upper Floors Area	691 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	72,310 sqft (1.66 acres)
Lot Dimensions	362 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	216 sqft
Deck Area	225 sqft
Patio Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	41538 RACHAEL DR
City	LAGRANGE
State	OH
Zip	44050-9003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RODAK RIDGE SUB 200.00 X 362.01
Legal Subdivision	RODAK RIDGE SUBDIVISION
Legal Lot Number	8
Jurisdiction	LORAIN OH
Township / Civil Division	LAGRANGE
Census Block Group	2
Census Block	2031
Census Tract	94102

Owner

The current owner of 41538 Rachael Dr bought it in May 2013.

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

Owner of Record	Owner Name on File
Mailing Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003
Occupancy	Owner Occupied

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
Jan 9, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 3, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Feb 29, 2020	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2013 · Amount on File
Deed Sale	May 8, 2013 · Amount on File
Prior Sale	Mar 30, 2007 · Amount on File
Deed Document Number	2013002027
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003

Mortgage

Document Number	0000081511
Date	Jan 9, 2026
Instrument	2026-0081511

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jul 1, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000880817
Date	Jun 27, 2022
Instrument	2022-0880817

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018431
Date	Jul 3, 2024
Instrument	2024-0018431

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	41538 RACHAEL DR, LAGRANGE, OH 44050-9003
Document Number	0000753232
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	41538 RACHAEL DR LAGRANGE OH 440509003, LAGRANGE, OH 44050-9003

Mortgage

Document Number	0000753232
Date	Mar 17, 2020
Instrument	753232

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 41538 Rachael Dr was $4,965.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	LaGrange Township
Unified School District	Keystone Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,965.00	$124,130 (+%) Land $30,140 Building $93,990	$354,650 (-) Land $86,110 Building $268,540
2024	$4,965.00 (-5.16%)	$124,128 (+15.76%) Land $30,139 Building $93,989	$354,650 (+15.76%) Land $86,110 Building $268,540
2023	$5,235.00 (+0.73%)	$107,226 (%) Land $24,339 Building $82,887	$306,360 Land $69,540 Building $236,820
2022	$5,197.00	$107,230 Land $24,340 Building $82,890
2021			$306,360 Land $69,540 Building $236,820

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

Flood

FEMA maps place 41538 Rachael Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 41538 Rachael Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
North Coast Wireless Communications Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3
Windstream DSL · Fiber in parts of the area	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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