4256 Oakcrest Dr, Lorain, OH 44053 Property Records

Lorain County property record for 4256 Oakcrest Dr, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,678 sqft · built 1957
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Oct 2011)
Tax Bill	$2,625 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-005-101-017`

Property Details

APN / Parcel Number

Primary APN	`02-03-005-101-017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,678 sqft Living Area
Gross Area	2,162 sqft
1st Floor Area	1,678 sqft
Family Room	Family Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	331 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	450 sqft
Patio Area	564 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4256 OAKCREST DR
City	LORAIN
State	OH
Zip	44053-1651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEBRACY 1 REV 192.31 X 409 NAME CORR 8/16/2007
Legal Subdivision	DEBRACY 1
Legal Tract	03
Legal Block	101
Legal Lot Number	20
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	3
Census Block	3009
Census Tract	97201

Owner

4256 Oakcrest Dr is owned and occupied by an individual who bought it in October 2011.

Source: Lorain County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4256 OAKCREST DR, LORAIN, OH 44053-1651
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
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage OHIO TITLE
Aug 25, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
May 26, 2017	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2011 · Amount on File
Deed Sale	Oct 21, 2011 · Amount on File
Prior Sale	Oct 22, 1996 · Amount on File
Deed Document Number	2011389036
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jun 4, 2026
Property Address	4256 OAKCREST DR, LORAIN, OH 44053-1651
Document Number	0000098415
Instrument Date	May 23, 2026
Instrument	202698415
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OHIO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 OAKCREST DR, LORAIN, OH 44053-1651

Mortgage

Document Number	0000098415,
Date	Jun 4, 2026
Instrument	202698415

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LORAIN OH
Property Address	4256 OAKCREST DR, LORAIN, OH 44053-1651
Document Number	0000780860
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 OAKCREST DR LORAIN OH 440531651, LORAIN, OH 44053-1651

Mortgage

Document Number	0000780860
Date	Sep 29, 2020
Instrument	780860

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4256 OAKCREST DR, LORAIN, OH 44053-1651
Document Number	0000635389
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	ASSOCIATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4256 OAKCREST DR LORAIN OH 440531651, LORAIN, OH 44053-1651

Mortgage

Document Number	0000635389
Date	Jul 3, 2017
Instrument	635389

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4256 Oakcrest Dr was $2,625 with a homeowner's exemption.

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	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,625.00 Homeowner's exemption	$62,180 (+%) Land $19,420 Building $42,760	$177,650 (-) Land $55,490 Building $122,160
2024	$2,625.00 (+17.71%)	$62,178 (+37.31%) Land $19,422 Building $42,756	$177,650 (+37.31%) Land $55,490 Building $122,160
2023	$2,230.00 (+4.16%)	$45,283 (+0.01%) Land $15,750 Building $29,533	$129,380 Land $45,000 Building $84,380
2022	$2,141.00	$45,280 Land $15,750 Building $29,530
2021			$129,380 Land $45,000 Building $84,380

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

Flood

FEMA maps place 4256 Oakcrest 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	May 2021 · river or lake flooding

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 4256 Oakcrest Dr is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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