4545 Vineyard Dr, Lorain, OH 44053 Property Records

Lorain County property record for 4545 Vineyard Dr, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,962 sqft · built 2011
Lot Size	0.108 acres (4,706 sqft)
Owner	2 Owner Names on File
Last Sale	$149,990 (Jun 2011)
Tax Bill	$1,361 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-02-010-000-387`

Property Details

APN / Parcel Number

Primary APN	`02-02-010-000-387`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,962 sqft Living Area

Exterior

Year Built	Built 2011
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	4,706 sqft
Lot Dimensions	115 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	54 sqft
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4545 VINEYARD DR
City	LORAIN
State	OH
Zip	44053-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS @ MARTINS RUN 40.82 X 115.28 ABATEMENT
Legal Subdivision	VINEYARDS AT MARTINS RUN SUBDIVISION
Legal Lot Number	54
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2020
Census Tract	97202

Owner

The current owner of 4545 Vineyard Dr bought it in June 2011.

Source: Lorain County records, as of March 20, 2026

Owner of Record	2 Owner Names on File
Mailing Address	4545 VINEYARD DR, LORAIN, OH 44053-4441
Occupancy	Owner Occupied

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 12, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jan 10, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
May 20, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
May 11, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2011 · Amount on File
Deed Sale	Jun 1, 2011 · Amount on File
Deed Document Number	2011001903
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4545 VINEYARD DR, LORAIN, OH 44053-4441
Transaction Type	Mortgage
Record Updated	Jun 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 VINEYARD DR, LORAIN, OH 44053-4441

Mortgage

Document Number	0000918690
Date	Jun 12, 2023
Instrument	2023-0918690

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 1, 2050

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4545 VINEYARD DR, LORAIN, OH 44053-4441
Transaction Type	Mortgage
Record Updated	Jun 2, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 VINEYARD DR, LORAIN, OH 44053-4441

Mortgage

Document Number	0000903100
Date	Jan 10, 2023
Instrument	2023-0903100

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jun 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	4545 VINEYARD DR, LORAIN, OH 44053-4441
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 VINEYARD DR, LORAIN, OH 44053-4441

Mortgage

Document Number	0000876174
Date	May 20, 2022
Instrument	2022-0876174

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jun 1, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LORAIN OH
Property Address	4545 VINEYARD DR, LORAIN, OH 44053-4441
Document Number	0000763113
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4545 VINEYARD DR LORAIN OH 440534441, LORAIN, OH 44053-4441

Mortgage

Document Number	0000763113
Date	Jun 4, 2020
Instrument	763113

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 4545 Vineyard Dr was $1,361.

Source: Lorain County assessment roll, as of August 1, 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	$1,361.00	$77,820 (+141.28%) Land $17,060 Building $60,760	$222,360 (+141.3%) Land $48,750 Building $173,610
2024	$1,361.00 (+13.7%)	$32,253 (+32.66%) Land $17,063 Building $15,190	$92,150 (+32.67%) Land $48,750 Building $43,400
2023	$1,197.00 (+4.18%)	$24,312 (+0.01%) Land $10,273 Building $14,039	$69,460 Land $29,350 Building $40,110
2022	$1,149.00	$24,310 Land $10,270 Building $14,040
2021			$69,460 Land $29,350 Building $40,110

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4545 Vineyard Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 4545 Vineyard Dr 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 478 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

May also be available: Verizon.

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