Lorain County property record for 4630 Willow Ave, Lorain, OH 44055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1963 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $73,000 (Oct 2018) |
| Tax Bill | $1,610 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00-077-113-022 |
| Primary APN | 03-00-077-113-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 4630 WILLOW AVE |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44055-3813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMEWOOD SUB 7 54 X 110 |
| Legal Subdivision | HOMEWOOD SUBDIVISION SEVENTH ADDITION |
| Legal Block | 113 |
| Legal Lot Number | 1260 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 97500 |
Source: Lorain County records, as of March 20, 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 Record |
|---|---|
| Mailing Address | 4630 WILLOW AVE, LORAIN, OH 44055-3813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 5, 2018 | Warranty Deed, Transfer · FHA Mortgage LENDUS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2018 · Amount on Record |
| Deed Sale | Oct 5, 2018 · Amount on Record |
| Prior Sale | Sep 8, 2008 · Amount on Record |
| Deed Document Number | 2018005839 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 4630 WILLOW AVE, LORAIN, OH 44055-3813 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4630 WILLOW AVE, LORAIN, OH 44055-3813 |
| Document Number | 0000072772 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 2025-0072772 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 4630 WILLOW AVE, LORAIN, OH 44055-3813 |
| Document Number | 0000800072 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4630 WILLOW AVE LORAIN OH 440553813, LORAIN, OH 44055-3813 |
| Document Number | 0000800072 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 800072 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 26, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 5, 2018 |
| Property Address | 4630 WILLOW AVE, LORAIN, OH 44055-3813 |
| Document Number | 0000690226 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 690226 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $292.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4630 WILLOW AVE LORAIN OH 440553813, LORAIN, OH 44055-3813 |
| Document Number | 690227 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 690227 |
| Name | LENDUS LLC |
|---|---|
| Address | ALAMO, CA 94507 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2048 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Lorain City |
| Unified School District | Lorain City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,610.00 | $42,110 (+%) Land $9,780 Building $32,330 | $120,310 (-) Land $27,950 Building $92,360 |
| 2024 | $1,610.00 (+12.04%) | $42,109 (+50.86%) Land $9,783 Building $32,326 | $120,310 (+50.86%) Land $27,950 Building $92,360 |
| 2023 | $1,437.00 (+0.91%) | $27,913 (+0.01%) Land $5,859 Building $22,054 | $79,750 (-) Land $16,740 Building $63,010 |
| 2022 | $1,424.00 | $27,910 Land $5,860 Building $22,050 | |
| 2021 | $79,750 Land $16,740 Building $63,010 |
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.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 566 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 |
| Verizon Fixed Wireless | 300 / 20 |
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