828 W 23rd St, Lorain, OH 44052 Property Records

Lorain County property record for 828 W 23rd St, Lorain, OH 44052

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,258 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Tax Bill	$304 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-01-006-155-024`

Property Details

APN / Parcel Number

Primary APN	`02-01-006-155-024`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,258 sqft Living Area
1st Floor Area	634 sqft
2nd Floor Area	624 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1923
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	828 W 23RD ST
City	LORAIN
State	OH
Zip	44052-4913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANG & VAC ALLEY FRNT 0050.00 DPTH 0160.00
Legal Subdivision	STANG & VAC ALLEY FRNT
Legal Tract	1
Legal Block	155
Legal Lot Number	60
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	2
Census Block	2007
Census Tract	23300

Owner

828 W 23rd St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	828 W 23RD ST, LORAIN, OH 44052-4913
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
May 4, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 1, 2019	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 4, 2026
Property Address	828 W 23RD ST, LORAIN, OH 44052-4913
Document Number	0000094213
Instrument Date	Apr 25, 2026
Instrument	202694213
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 W 23RD ST, LORAIN, OH 44052-4913
Investor	Possibly a Property Investor

Mortgage

Document Number	0000094213,
Date	May 4, 2026
Instrument	202694213

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	828 W 23RD ST, LORAIN, OH 44052-4913
Document Number	0000709609
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 W 23RD ST LORAIN OH 440524913, LORAIN, OH 44052-4913

Mortgage

Document Number	0000709609
Date	Apr 3, 2019
Instrument	709609

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	LORAIN, OH 44052

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 828 W 23rd St was $304.

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	Lorain City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$304.00	$28,780 (%) Land $3,890 Building $24,890	$82,230 (-) Land $11,120 Building $71,110
2024	$304.00 (-45.81%)	$28,781 (+43.35%) Land $3,892 Building $24,889	$82,230 (+43.36%) Land $11,120 Building $71,110
2023	$561.00 (-2.77%)	$20,077 (-0.01%) Land $3,525 Building $16,552	$57,360 Land $10,070 Building $47,290
2022	$577.00	$20,080 Land $3,530 Building $16,550
2021			$57,360 Land $10,070 Building $47,290

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

Flood

FEMA maps place 828 W 23rd St in Zone X, an area of minimal flood risk.

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

The area around 828 W 23rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	LORAIN CITY PWS serves 64,152 people · EPA ID OH4700711
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) 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 707 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

May also be available: Breezeline.

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