43390 Smith Rd, Wellington, OH 44090 Property Records

Lorain County property record for 43390 Smith Rd, Wellington, OH 44090

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,747 sqft · built 1993
Lot Size	7.23 acres (315,374 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Feb 1996)
Tax Bill	$6,555 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01-009-000-019`

Property Details

APN / Parcel Number

Primary APN	`19-01-009-000-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,747 sqft Living Area
1st Floor Area	1,445 sqft
2nd Floor Area	1,302 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	315,374 sqft (7.23 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	44 sqft
Deck Area	156 sqft
Patio Area	984 sqft
Lean-To	192 sqft
Pole Barn	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	43390 SMITH RD
City	WELLINGTON
State	OH
Zip	44090-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	46-19-019E -071-00
Legal Subdivision	PENFIELD TR 01
Legal Tract	1
Legal Lot Number	9
Jurisdiction	LORAIN OH
Township / Civil Division	PENFIELD
Census Block Group	2
Census Block	2073
Census Tract	94101

Owner

Source: Lorain County records · APN 19-01-009-000-019

Assessment roll updated August 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	43390 SMITH RD, WELLINGTON, OH 44090-9600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 1996 · Amount on Record
Deed Sale	Feb 26, 1996 · Amount on Record
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	43390 SMITH RD, WELLINGTON, OH 44090-9600
Document Number	0000790348
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 02, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43390 SMITH RD WELLINGTON OH 440909600, WELLINGTON, OH 44090-9600

Mortgage

Document Number	0000790348
Date	Nov 24, 2020
Instrument	790348

Lender

Name	CITIBANK
Type	Bank
Address	O FALLON, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,555.00	$157,590 (+%) Land $38,070 Building $119,520	$450,240 (-) Land $108,760 Building $341,480
2024	$6,555.00 (+10.47%)	$157,584 (+34.43%) Land $38,066 Building $119,518	$450,240 (+34.43%) Land $108,760 Building $341,480
2023	$5,934.00 (+0.71%)	$117,223 (+%) Land $30,034 Building $87,189	$334,920 (-) Land $85,810 Building $249,110
2022	$5,892.00	$117,220 Land $30,030 Building $87,190
2021			$334,920 Land $85,810 Building $249,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), as of May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390930941012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Armstrong Holdings Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 10 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH4701803, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RURAL LORAIN CO. WATER A serves 73,125 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.