4223 Talbot Ln, Lorain, OH 44055 Property Records

Lorain County property record for 4223 Talbot Ln, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1954
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$63,000 (Aug 2020)
Tax Bill	$1,181 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-00-079-122-012`

Property Details

APN / Parcel Number

Primary APN	`03-00-079-122-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	112 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	100 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4223 TALBOT LN
City	LORAIN
State	OH
Zip	44055-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 3 55.00 X 112.00
Legal Subdivision	HOMEWOOD 3
Legal Block	122
Legal Lot Number	633
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	4
Census Block	4011
Census Tract	97500

Owner

Source: Lorain County records, as of September 9, 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
Mailing Address	4223 TALBOT LN, LORAIN, OH 44055-3757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 14, 2020	Warranty Deed, Transfer · FHA Mortgage YOUR HM FIN'L LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Apr 28, 1995 · Amount on Record
Deed Document Number	2020774043
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Aug 28, 2026
Property Address	4223 TALBOT LN, LORAIN, OH 44055-3757
Document Number	0000109555
Instrument Date	Aug 17, 2026
Instrument	2026109555
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 TALBOT LN, LORAIN, OH 44055-3757

Mortgage

Document Number	0000109555,
Date	Aug 28, 2026
Instrument	2026109555

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Sep 1, 2050

Interest

Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 14, 2020
Property Address	4223 TALBOT LN, LORAIN, OH 44055-3757
Document Number	0000774043
Instrument Date	Aug 13, 2020
Instrument	774043
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 TALBOT LN LORAIN OH 440553757, LORAIN, OH 44055-3757

Mortgage

Document Number	774044
Date	Aug 14, 2020
Instrument	774044

Lender

Name	YOUR HM FIN'L LLC
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

Tax Assessment & Valuation

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	$1,181.00 Homeowner's exemption	$30,890 (%) Land $9,980 Building $20,910	$88,260 (-) Land $28,520 Building $59,740
2024	$1,181.00 (+5.92%)	$30,891 (+42.72%) Land $9,982 Building $20,909	$88,260 (+42.72%) Land $28,520 Building $59,740
2023	$1,115.00 (+0.9%)	$21,644 (-0.03%) Land $5,978 Building $15,666	$61,840 (-) Land $17,080 Building $44,760
2022	$1,105.00	$21,650 Land $5,980 Building $15,670
2021			$61,840 Land $17,080 Building $44,760

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 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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