Lorain County property record for 4704 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 File |
| Last Sale | $65,000 (Dec 2011) |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00-077-113-024 |
| Primary APN | 03-00-077-113-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,788 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 4704 WILLOW AVE |
|---|---|
| City | LORAIN |
| State | OH |
| Zip | 44055-3811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMEWOOD 7 54.00 X 110.00 |
| Legal Subdivision | HOMEWOOD 7 |
| Legal Block | 113 |
| Legal Lot Number | 1258 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | LORAIN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 97500 |
4704 Willow Ave is owned and occupied by two individuals who bought it in December 2011.
Source: Lorain County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4704 WILLOW AVE, LORAIN, OH 44055-3811 |
| 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.
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 19, 2017 | Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2011 · Amount on File |
| Deed Sale | Dec 22, 2011 · Amount on File |
| Deed Document Number | 2011396372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 4704 WILLOW AVE, LORAIN, OH 44055-3811 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000854818 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2021-0854818 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 16, 2026 |
| Property Address | 4704 WILLOW AVE, LORAIN, OH 44055-3811 |
| Document Number | 0000092019 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 202692019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 4704 WILLOW AVE, LORAIN, OH 44055-3811 |
| Document Number | 0000092019, |
|---|---|
| Date | Apr 16, 2026 |
| Instrument | 202692019 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 4704 WILLOW AVE, LORAIN, OH 44055-3811 |
| Document Number | 0000634377 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4704 WILLOW AVE LORAIN OH 440553811, LORAIN, OH 44055-3811 |
| Document Number | 0000634377 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 634377 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2047 |
The 2025 property tax bill for 4704 Willow Ave was $1,815 with a homeowner's exemption, down 7.3% from the year before.
Source: Lorain County assessment roll, as of May 16, 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 | $1,815.00 (-7.26%) Homeowner's exemption | $47,480 (+%) Land $9,780 Building $37,700 | $135,650 (-) Land $27,950 Building $107,700 |
| 2024 | $1,957.00 (+27.33%) | $47,478 (+59.01%) Land $9,783 Building $37,695 | $135,650 (+59.01%) Land $27,950 Building $107,700 |
| 2023 | $1,537.00 (+0.85%) | $29,859 (%) Land $5,859 Building $24,000 | $85,310 Land $16,740 Building $68,570 |
| 2022 | $1,524.00 | $29,860 Land $5,860 Building $24,000 | |
| 2021 | $85,310 Land $16,740 Building $68,570 |
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.
FEMA maps place 4704 Willow Ave in Zone X, an area of minimal flood risk.
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.
The area around 4704 Willow Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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