5056 Spaulding Ct, Lorain, OH 44053 Property Records

Lorain County property record for 5056 Spaulding Ct, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,866 sqft · built 1998
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$216,000 (Aug 2021)
Tax Bill	$3,829 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03-005-101-053`

Property Details

APN / Parcel Number

Primary APN	`02-03-005-101-053`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,866 sqft Living Area
1st Floor Area	1,592 sqft
Upper Floors Area	1,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	21,344 sqft (0.489 acres)
Lot Dimensions	555 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	5056 SPAULDING CT
City	LORAIN
State	OH
Zip	44053-1843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWOOD 7 10.05 X 201.64
Legal Subdivision	#7 FAIRWAY SUBDIVISION
Legal Tract	3
Legal Block	101
Legal Lot Number	6
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	3
Census Block	3009
Census Tract	97201

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
Co-owner	Co-owner on Record
Mailing Address	5056 SPAULDING CT, LORAIN, OH 44053-1843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 23, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	Oct 3, 2008 · Amount on Record
Deed Document Number	2021005349
Record Updated	Jun 8, 2026

August 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 13, 2021
Property Address	5056 SPAULDING CT, LORAIN, OH 44053-1843
Document Number	0000833995
Map Reference	VOL 20 PG 33
Instrument Date	Aug 13, 2021
Instrument	2021-0833995
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5056 SPAULDING CT, LORAIN, OH 44053-1843

Mortgage

Document Number	0000833996
Date	Aug 13, 2021
Instrument	2021-0833996

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	5056 SPAULDING CT, LORAIN, OH 44053-1843
Document Number	0000702304
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5056 SPAULDING CT LORAIN OH 440531843, LORAIN, OH 44053-1843

Mortgage

Document Number	0000702304
Date	Jan 24, 2019
Instrument	702304

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2049

Tax Assessment & Valuation

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	$3,829.00	$90,680 (-0.01%) Land $15,820 Building $74,860	$259,100 (-) Land $45,210 Building $213,890
2024	$3,829.00 (+4.79%)	$90,686 (+22.26%) Land $15,824 Building $74,862	$259,100 (+22.26%) Land $45,210 Building $213,890
2023	$3,654.00 (+4.19%)	$74,172 (+%) Land $15,092 Building $59,080	$211,920 (-) Land $43,120 Building $168,800
2022	$3,507.00	$74,170 Land $15,090 Building $59,080
2021			$211,920 Land $43,120 Building $168,800

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	May 2021 · river or lake flooding

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 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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