640 Lear Rd, Avon Lake, OH 44012 Property Records

Lorain County property record for 640 Lear Rd, Avon Lake, OH 44012 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,591 sqft · built 2007
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Owner Names on File
Last Sale	$405,000 (Mar 2009)
Tax Bill	$11,234 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-00-020-104-029`

Property Details

APN / Parcel Number

Primary APN	`04-00-020-104-029`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,591 sqft Living Area
1st Floor Area	1,900 sqft
2nd Floor Area	1,691 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	44 sqft
Patio Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	640 LEAR RD
City	AVON LAKE
State	OH
Zip	44012-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11-04-020D -002-00
Legal Block	104
Jurisdiction	LORAIN OH
Township / Civil Division	AVON LAKE
Census Block Group	2
Census Block	2005
Census Tract	97401

Owner

Source: Lorain County records · APN 04-00-020-104-029

Assessment roll updated August 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	640 LEAR RD, AVON LAKE, OH 44012-2035
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 19, 2009 · Amount on Record
Deed Sale	Mar 19, 2009 · Amount on Record
Prior Sale	Jul 31, 2007 · Amount on Record
Deed Document Number	2009000848
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	640 LEAR RD, AVON LAKE, OH 44012-2035
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210802658
Date	Feb 11, 2021
Instrument	2021-0802658

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Mar 01, 2031

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,234.00	$221,940 (+%) Land $33,250 Building $188,690	$634,100 (-) Land $94,990 Building $539,110
2024	$11,234.00 (-14.01%)	$221,936 (-0.92%) Land $33,247 Building $188,689	$634,100 (-0.92%) Land $94,990 Building $539,110
2023	$13,064.00 (+0.96%)	$224,001 (%) Land $30,825 Building $193,176	$640,000 (-) Land $88,070 Building $551,930
2022	$12,940.00	$224,010 Land $30,830 Building $193,180
2021			$640,000 Land $88,070 Building $551,930

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390930974012, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.