495 N Main St, Amherst, OH 44001 Property Records

Lorain County property record for 495 N Main St, Amherst, OH 44001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,352 sqft · built 1946
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Sep 2015)
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-00-022-107-002`

Property Details

APN / Parcel Number

Primary APN	`05-00-022-107-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	11,761 sqft (0.269 acres)
Lot Dimensions	191 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	256 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	495 N MAIN ST
City	AMHERST
State	OH
Zip	44001-1457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	07-05-022A -009-00
Legal Subdivision	AMHERST
Legal Block	107
Legal Lot Number	22
Jurisdiction	LORAIN OH
Township / Civil Division	AMHERST
Census Block Group	2
Census Block	2032
Census Tract	50200

Owner

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	Individual Name on Record
Mailing Address	495 N MAIN ST, AMHERST, OH 44001-1457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jan 20, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2015 · Amount on Record
Deed Sale	Sep 1, 2015 · Amount on Record
Prior Sale	Dec 1, 2008 · Amount on Record
Deed Document Number	2015004008
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	495 N MAIN ST, AMHERST, OH 44001-1457
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000864831
Date	Mar 1, 2022
Instrument	2022-0864831

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	495 N MAIN ST, AMHERST, OH 44001-1457
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 N MAIN ST, AMHERST, OH 44001-1457

Mortgage

Document Number	0000082483
Date	Jan 20, 2026
Instrument	2026-0082483

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Amherst City
County	Lorain County
Unified School District	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,738.00	$66,740 (-0.01%) Land $13,310 Building $53,430	$190,710 (-) Land $38,040 Building $152,670
2024	$2,738.00 (+34.81%)	$66,749 (+57.44%) Land $13,314 Building $53,435	$190,710 (+57.44%) Land $38,040 Building $152,670
2023	$2,031.00 (+4.31%)	$42,396 (-0.01%) Land $12,891 Building $29,505	$121,130 (-) Land $36,830 Building $84,300
2022	$1,947.00	$42,400 Land $12,890 Building $29,510
2021			$121,130 Land $36,830 Building $84,300

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

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 Claims	12 (1979–2014)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2014 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 74% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 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
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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