5175 Cardinal Ct, Lorain, OH 44053 Property Records

Lorain County property record for 5175 Cardinal Ct, Lorain, OH 44053 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2012
Square Footage	2,182 sqft Living Area
Lot Size	11,079 sqft (0.254 acres)
Occupancy	Owner Occupied
Last Sale	$156,300 (2012)
Tax Bill	$1,066.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`02-03-001-109-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,182 sqft Living Area
Gross Area	2,623 sqft Gross Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	11,079 sqft (0.254 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Patio Area	28 sqft Patio
Porch Area	28 sqft Porch
Canopy Area	28 sqft Canopy

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Street Address	5175 CARDINAL CT
City	LORAIN
State	OH
Zip	44053-1494
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MANORS AT MORNINGSIDE SUB 89.77 X 135.07 SEE 02-42-001-109-008 FOR ABATEMENT
Legal Subdivision	MANORS AT MORNINGSIDE SUB
Legal Tract	3
Legal Block	109
Legal Lot Number	28
Jurisdiction	LORAIN OH
Minor Civil Division	LORAIN
Census Blockgroup	1
Census Block	1017
Census Tract	97202

Owner

Source: Lorain County records · APN 02-03-001-109-008

Assessment roll updated May 16, 2025 · Last verified April 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 File
Mailing Address	5175 CARDINAL CT, LORAIN, OH 44053-1494
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2012 · Amount on Record
Deed Sale	Aug 09, 2012 · Amount on Record
Prior Sale	Mar 21, 2011 · Amount on Record
Deed Doc Number	2012423954
Record Refreshed	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	5175 CARDINAL CT, LORAIN, OH 44053-1494
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	CHANCELLOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5175 CARDLNAL CT, LORAIN, OH 44053-1494

Mortgage

Document Number	0000931289
Date	Oct 02, 2023
Instrument	2023-0931289

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	866 Months
Due	Dec 11, 2095

Interest

Rate Type	Adjustable Rate
Rate	7.54%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Nov 01, 2023
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Index	1-Year CMT
Max Rate	12.5%

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$567.00 (-46.81%) Homeowner's exemption	$79,640 (+123.32%) Land $21,000 Building $58,640	$227,560 (+123.34%) Land $60,000 Building $167,560
2024	$1,066.00 (-25.56%)	$35,662 (-3.56%) Land $21,000 Building $14,662	$101,890 (-3.56%) Land $60,000 Building $41,890
2023	$1,432.00 (+85.97%)	$36,978 (+55.11%) Land $23,842 Building $13,136	$105,650 (+55.09%) Land $68,120 Building $37,530
2022	$770.00	$23,840 Land $23,840
2021			$68,120 Land $68,120

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 64% of Ohio
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.