712 N Ridge Rd E, Lorain, OH 44055 Property Records

Lorain County property record for 712 N Ridge Rd E, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,440 sqft · built 1900
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individuals on Record
Tax Bill	$1,901 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-00-113-104-039`

Property Details

APN / Parcel Number

Primary APN	`03-00-113-104-039`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1945
Architectural Style	Traditional
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	248 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	712 N RIDGE RD E
City	LORAIN
State	OH
Zip	44055-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20040020281
Legal Subdivision	SHEFFIELD
Legal Block	104
Legal Lot Number	113
Jurisdiction	LORAIN OH
Township / Civil Division	SHEFFIELD
Census Block Group	2
Census Block	2016
Census Tract	24000

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	712 N RIDGE RD E, LORAIN, OH 44055-3018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN ASSOCIATI
Nov 12, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 22, 2015
Transfer Doc	20150543115
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	712 N RIDGE RD E, LORAIN, OH 44055-3018
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076701
Date	Nov 25, 2025
Instrument	2025-0076701

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN ASSOCIATI
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Nov 12, 2025
Property Address	712 N RIDGE RD E, LORAIN, OH 44055-3018
Document Number	0000074848
Instrument Date	Nov 11, 2025
Instrument	2025-0074848
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 N RIDGE RD E, LORAIN, OH 44055-3018

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Sheffield Township
Unified School District	Clearview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,901.00 (-19.96%) Homeowner's exemption	$65,470 (%) Land $10,230 Building $55,240	$187,060 (-) Land $29,240 Building $157,820
2024	$2,375.00 (+77.9%)	$65,471 (+94.26%) Land $10,234 Building $55,237	$187,060 (+94.27%) Land $29,240 Building $157,820
2023	$1,335.00 (-4.03%)	$33,702 (+0.01%) Land $11,228 Building $22,474	$96,290 (-) Land $32,080 Building $64,210
2022	$1,391.00	$33,700 Land $11,230 Building $22,470
2021			$96,290 Land $32,080 Building $64,210

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 214 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Windstream.

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