4591 Cupola Dr, Lorain, OH 44053 Property Records

Lorain County property record for 4591 Cupola Dr, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,469 sqft · built 2019
Lot Size	0.137 acres (5,999 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,405 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2021 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-005-103-026`

Property Details

APN / Parcel Number

Primary APN	`02-03-005-103-026`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,469 sqft Living Area
Gross Area	2,616 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,999 sqft (0.137 acres)
Garage Type	Attached
Garage Area	147 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	65 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4591 CUPOLA DR
City	LORAIN
State	OH
Zip	44053-1662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORNERSTONE FARMS SUB #1 50 X 120
Legal Subdivision	CORNERSTONE FARMS SUB 1
Legal Block	103
Legal Lot Number	16
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2023
Census Tract	97202

Owner

4591 Cupola Dr is owned and occupied by two individuals who acquired it in July 2021.

Source: Lorain County records, as of September 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
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
Jul 16, 2021	Intrafamily Transfer, Transfer · FHA Mortgage BANK OF ENGLAND
May 18, 2021	Transfer on Death Deed, Transfer
Dec 23, 2020	Grant Deed, Construction Loan · Construction Mortgage HUNTINGTON NAT'L BK
Jun 3, 2020	Grant Deed, Subdivision Related Transfer HUNTINGTON NAT'L BK
Apr 8, 2020	Grant Deed, Transfer · Line of Credit WILMINGTON TR NA
Apr 18, 2019	Grant Deed, Mortgage · Line of Credit WILMINGTON TR
Mar 5, 2019	Grant Deed, Mortgage · Line of Credit WILMINGTON TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021
Deed Sale	Jul 16, 2021
Prior Sale	Jun 3, 2020 · Amount on File
Prior Transfer Date	Jul 2, 2021
Prior Transfer Doc	0000829049
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Jul 16, 2021
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Document Number	0000829049
Map Reference	VOL 104 PG 81-86
Instrument Date	Jul 2, 2021
Instrument	2021-0829049
Transaction Type	Transfer
Record Updated	Jun 2, 2026

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
Relationship	Right of Survivorship
Address	4591 CUPOLA DR, LORAIN, OH 44053-1662

Mortgage

Document Number	0000829050
Date	Jul 16, 2021
Instrument	2021-0829050

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

May 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	May 18, 2021
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Document Number	0000818494
Map Reference	VOL 104 PG 81-86
Instrument Date	May 17, 2021
Instrument	2021-0818494
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 CUPOLA DR, LORAIN, OH 44053-1662

December 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 23, 2020
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Document Number	0000795186
Instrument Date	Nov 30, 2020
Instrument	795186
Transaction Type	Construction Loan
Record Updated	Jan 12, 2021
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transaction

Amount	Amount on Record
Tax	$228.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 PRIMROSE WAY LORAIN OH 44053, LORAIN, OH 44053
Investor	Possibly a Property Investor

Mortgage

Document Number	795187
Date	Dec 23, 2020
Instrument	795187

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2050

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 3, 2020
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Document Number	0000763057
Instrument Date	Jun 1, 2020
Instrument	763057
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 CUPOLA DR LORAIN OH 440531662, LORAIN, OH 44053-1662

Mortgage

Document Number	763058
Date	Jun 3, 2020
Instrument	763058

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 8, 2020
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Document Number	0000755812
Instrument Date	Mar 11, 2020
Instrument	755812
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number	0000755812
Date	Apr 8, 2020
Instrument	755812

Lender

Name	WILMINGTON TR NA
Address	246 GOOSE LN # 105, GUILFORD, CT 06437-2186

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 18, 2019
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Instrument Date	Apr 4, 2019
Instrument	711538
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number	0000711538
Date	Apr 18, 2019
Instrument	711538

Lender

Name	WILMINGTON TR
Address	50 S 6TH ST # 1290, MINNEAPOLIS, MN 55402-1544

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 5, 2019
Property Address	4591 CUPOLA DR, LORAIN, OH 44053-1662
Instrument Date	Feb 28, 2019
Instrument	706393
Transaction Type	Mortgage
Record Updated	Mar 23, 2019

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number	0000706393
Date	Mar 5, 2019
Instrument	706393

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST, WILMINGTON, DE 19890-1100

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Mar 4, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4591 Cupola Dr was $1,405 with a homeowner's exemption, up 1.4% 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	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,405.00 (+1.44%) Homeowner's exemption	$125,520 (+321.92%) Land $29,750 Building $95,770	$358,640 (+321.93%) Land $85,000 Building $273,640
2024	$1,385.00 (+50.87%)	$29,750 (+90.45%) Land $29,750	$85,000 (+90.45%) Land $85,000
2023	$918.00 (+24.39%)	$15,621 (+0.01%) Land $15,621	$44,630 Land $44,630
2022	$738.00	$15,620 Land $15,620
2021			$44,630 Land $44,630

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 4591 Cupola 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 4591 Cupola 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 397 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

May also be available: Breezeline, Verizon.

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