6138 James Dr, Lorain, OH 44053 Property Records

Lorain County property record for 6138 James Dr, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,748 sqft · built 2022
Owner	Individual Name on File
Last Sale	$409,490 (Oct 2022)
Tax Bill	$6,898 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-03-007-000-267`

Property Details

APN / Parcel Number

Primary APN	`02-03-007-000-267`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,748 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	140 sqft
Porch	Open Porch
Porch Area	49 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6138 JAMES DR
City	LORAIN
State	OH
Zip	44053-4375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDY SPRINGS SUB NO 2 50 X 100
Legal Lot Number	35
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

6138 James Dr is owned and occupied by an individual who bought it in October 2022.

Source: Lorain County records, as of March 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6138 JAMES DR, LORAIN, OH 44053-4375
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Survivorship Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Jun 27, 2022	Limited Warranty Deed, Transfer NVR TITLE, NVR TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Prior Sale	Jun 27, 2022 · Amount on File
Deed Document Number	2022006820
Record Updated	Jun 8, 2026

October 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 24, 2022
Property Address	6138 JAMES DR, LORAIN, OH 44053-4375
Document Number	0000896180
Map Reference	VOL 111 PG 62
Instrument Date	Oct 13, 2022
Instrument	2022-0896180
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	NVR TITLE, NVR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
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	6138 JAMES DR, LORAIN, OH 44053-4375

Mortgage

Document Number	0000896181
Date	Oct 24, 2022
Instrument	2022-0896181

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 27, 2022
Property Address	6138 JAMES DR, LORAIN, OH 44053-4375
Document Number	0000880878
Map Reference	VOL 111 PG 62
Instrument Date	May 7, 2022
Instrument	2022-0880878
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	NVR TITLE, NVR TITLE AGENCY LLC

Transaction

Amount	Amount 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
Address	6770 W SNOWVILLE RD # 100, 100, BRECKSVILLE, OH 44141-3272
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 6138 James Dr was $6,898.

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	$6,898.00	$163,360 (+%) Land $35,000 Building $128,360	$466,730 (-) Land $100,000 Building $366,730
2024	$6,898.00 (-1.49%)	$163,356 (+14.94%) Land $35,000 Building $128,356	$466,730 (+14.94%) Land $100,000 Building $366,730
2023	$7,002.00	$142,128 (+822.91%) Land $19,250 Building $122,878	$406,080 Land $55,000 Building $351,080
2022		$15,400 Land $15,400
2021			$44,000 Land $44,000

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

Flood

FEMA maps place 6138 James Dr in Zone X, an area of minimal flood risk.

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	48 units insured incl. 46 condo units

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

Wildfire risk around 6138 James Dr is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Verizon.

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