4231 Palm Ave, Lorain, OH 44055 Property Records

Lorain County property record for 4231 Palm Ave, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1955
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Dec 2022)
Tax Bill	$442 (2025)
Deeds & Mortgages	Oct 2023 Sale Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-078-104-001`

Property Details

APN / Parcel Number

Primary APN	`03-00-078-104-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
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	138 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	4231 PALM AVE
City	LORAIN
State	OH
Zip	44055-3556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEWOOD 5TH ADDITION B 55 X 138
Legal Subdivision	HOMEWOOD
Legal Block	104
Legal Lot Number	967
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1023
Census Tract	97500

Owner

4231 Palm Ave is owned and occupied by an individual who bought it in December 2022.

Source: Lorain County records, as of March 24, 2026

Owner of Record	Individual Name on File
Mailing Address	4231 PALM AVE, LORAIN, OH 44055-3556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 25, 2023	Warranty Deed, Transfer
Dec 13, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Feb 5, 2021	Transfer on Death Deed, Transfer
Oct 25, 2023	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on File
Deed Sale	Dec 13, 2022 · Amount on File
Prior Sale	Dec 18, 2009 · Amount on File
Deed Document Number	2022901244
Prior Transfer Date	Feb 4, 2021
Prior Transfer Doc	20210801804
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 25, 2023
Property Address	4231 PALM AVE, LORAIN, OH 44055-3556
Document Number	0000933777
Map Reference	VOL 12 PG 22
Instrument Date	Sep 28, 2023
Instrument	2023-0933777
Transaction Type	Transfer
Record Updated	Nov 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 PALM AVE, LORAIN, OH 44055-3556

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 13, 2022
Property Address	4231 PALM AVE, LORAIN, OH 44055-3556
Document Number	0000901244
Map Reference	VOL 21 PG 22
Instrument Date	Nov 21, 2022
Instrument	2022-0901244
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	MILLER HOME 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	4231 PALM AVE, LORAIN, OH 44055-3556

Mortgage

Document Number	0000901300
Date	Dec 14, 2022
Instrument	2022-0901300

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

February 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 5, 2021
Property Address	4231 PALM AVE, LORAIN, OH 44055-3556
Document Number	20210801804
Map Reference	VOL 21 PG 22
Instrument Date	Dec 12, 2020
Instrument	2021-0801804
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4211 WILLOW AVE, LORAIN, OH 44055-3818

October 2023: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	LORAIN OH
Recording Date	Oct 25, 2023
Property Address	4231 PALM AVE, LORAIN, OH 44055-3556
Document Number	0000933776
Map Reference	VOL 21 PG 22
Instrument Date	Jul 22, 2018
Instrument	2023-0933776
Transaction Type	Transfer
Record Updated	Nov 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4211 WILLOW AVE, LORAIN, OH 44055-3818

Tax Assessment & Valuation

The 2025 property tax bill for 4231 Palm Ave was $442, down 52.5% 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	$442.00 (-52.52%)	$32,380 (+0.02%) Land $11,120 Building $21,260	$92,500 (-) Land $31,760 Building $60,740
2024	$931.00 (+34.15%)	$32,375 (+42.94%) Land $11,116 Building $21,259	$92,500 (+42.95%) Land $31,760 Building $60,740
2023	$694.00 (-41.48%)	$22,649 (%) Land $6,657 Building $15,992	$64,710 Land $19,020 Building $45,690
2022	$1,186.00	$22,650 Land $6,660 Building $15,990
2021			$64,710 Land $19,020 Building $45,690

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

FEMA maps place 4231 Palm 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

Wildfire risk around 4231 Palm Ave 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 Palm Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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