Lorain County property record for 44520 Middle Ridge Rd, Amherst, OH 44001
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1968 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $263,800 (Aug 2026) |
| Tax Bill | $3,558 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-00-063-101-048 |
| Primary APN | 05-00-063-101-048 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 20,473 sqft (0.47 acres) |
| Lot Dimensions | 175 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 60 sqft |
| Patio Area | 160 sqft |
| Canopy | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 44520 MIDDLE RIDGE RD |
|---|---|
| City | AMHERST |
| State | OH |
| Zip | 44001-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20040032740 |
| Legal Subdivision | AMHERST |
| Legal Block | 101 |
| Legal Lot Number | 63 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | AMHERST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 50100 |
44520 Middle Ridge Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Lorain County records, as of September 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44520 MIDDLE RIDGE RD, AMHERST, OH 44001-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Oct 25, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PAUL S MAGER III |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2026 · Amount on File |
| Deed Sale | Aug 26, 2026 · Amount on File |
| Prior Sale | Oct 25, 2022 · Amount on File |
| Deed Document Number | 2026109069 |
| Prior Transfer Date | Oct 11, 2022 |
| Prior Transfer Doc | 0000896401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 26, 2026 |
| Property Address | 44520 MIDDLE RIDGE RD, AMHERST, OH 44001-2516 |
| Document Number | 0000109069 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026109069 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $106,575.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 44520 MIDDLE RIDGE RD, AMHERST, OH 44001-2516 |
| Document Number | 0000109070, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 2026109070 |
| Name | USAA FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 25, 2022 |
| Property Address | 44520 MIDDLE RIDGE RD, AMHERST, OH 44001-2516 |
| Document Number | 0000896401 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 2022-0896401 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44520 MIDDLE RIDGE RD, AMHERST, OH 44001-2516 |
| Document Number | 0000896402 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | 2022-0896402 |
| Name | PAUL S MAGER III |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 44520 Middle Ridge Rd was $3,558.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Amherst Township |
| Unified School District | Amherst Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,558.00 | $67,680 (%) Land $19,190 Building $48,490 | $193,380 (-) Land $54,830 Building $138,550 |
| 2024 | $67,683 (+54.57%) Land $19,191 Building $48,493 | $193,380 (+54.57%) Land $54,830 Building $138,550 | |
| 2023 | $2,976.00 (+24.83%) | $43,789 (%) Land $13,829 Building $29,960 | $125,110 Land $39,510 Building $85,600 |
| 2022 | $2,384.00 | $43,790 Land $13,830 Building $29,960 | |
| 2021 | $125,110 Land $39,510 Building $85,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 44520 Middle Ridge Rd 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 | 1 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 risk around 44520 Middle Ridge Rd 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 97% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AMHERST CITY PWS serves 11,797 people · EPA ID OH4700003 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 123 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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