56 Rosa St, Kipton, OH 44049 Property Records

Lorain County property record for 56 Rosa St, Kipton, OH 44049

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,663 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Tax Bill	$1,746 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019418-3`

Property Details

APN / Parcel Number

Primary APN	`019418-3`
Alternative APN	`13-11-016-107-011`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,663 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	1,260 sqft
Basement Area	840 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1994
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	145 ft deep x 84 ft wide
View / Lot	Residual Land
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	019418-3
Street Address	56 ROSA ST
City	KIPTON
State	OH
Zip	44049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDY W PT REAR 87.12 X 169 S/L 27 LOT # 27
Legal Subdivision	HARDY W PT REAR
Legal Tract	11
Legal Block	107
Legal Lot Number	27
Jurisdiction	LORAIN OH
Township / Civil Division	CAMDEN
Census Block Group	1
Census Block	1029
Census Tract	93100

Owner

Source: Lorain County records, as of July 14, 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	56 ROSA ST, KIPTON, OH 44049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Nov 18, 2019	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK
Oct 30, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 12, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 14, 2007
Transfer Doc	0000199819
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	56 ROSA ST, KIPTON, OH 44049
Transaction Type	Mortgage
Record Updated	May 9, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 ROSA ST, KIPTON, OH 44049

Mortgage

Document Number	0000873083
Date	Apr 29, 2022
Instrument	2022-0873083

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LORAIN OH
Property Address	56 ROSA ST, KIPTON, OH 44049
Document Number	0000740762
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 ROSA ST KIPTON OH 44049, KIPTON, OH 44049

Mortgage

Document Number	0000740762
Date	Dec 4, 2019
Instrument	740762

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	56 ROSA ST, KIPTON, OH 44049
Document Number	0000739895
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 ROSA ST KIPTON OH 44049, KIPTON, OH 44049

Mortgage

Document Number	0000739895
Date	Nov 26, 2019
Instrument	739895

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	56 ROSA ST, KIPTON, OH 44049
Document Number	0000632076
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 ROSA ST KIPTON OH 44049, KIPTON, OH 44049

Mortgage

Document Number	0000632076
Date	Jun 6, 2017
Instrument	632076

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 44049

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jun 5, 2044

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Camden Township
Municipality	Kipton Village
Unified School District	Firelands Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,746.00	$36,400 (-0.02%) Land $6,350 Building $30,050	$104,020 (-) Land $18,150 Building $85,870
2024	$1,746.00 (+41.03%)	$36,408 (+61.4%) Land $6,353 Building $30,055	$104,020 (+61.4%) Land $18,150 Building $85,870
2023	$1,238.00 (+3.25%)	$22,558 (-0.01%) Land $6,143 Building $16,415	$64,450 (-) Land $17,550 Building $46,900
2022	$1,199.00	$22,560 Land $6,140 Building $16,420
2021			$64,450 Land $17,550 Building $46,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	3 in force

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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