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

Lorain County property record for 975 N Ridge Rd E, Lorain, OH 44055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,284 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2026)
Tax Bill	$1,489 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-00-113-109-009`

Property Details

APN / Parcel Number

Primary APN	`03-00-113-109-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	172 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	60 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	975 N RIDGE RD E
City	LORAIN
State	OH
Zip	44055-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	61-03-113B -157-00
Legal Block	109
Jurisdiction	LORAIN OH
Township / Civil Division	SHEFFIELD
Census Block Group	1
Census Block	1000
Census Tract	24000

Owner

Source: Lorain County records · APN 03-00-113-109-009

Assessment roll updated May 16, 2025 · Last verified June 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 File
Mailing Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 04, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
May 07, 2026	Deed of Trust, Mortgage · Line of Credit MILLER HOME TITLE
Apr 11, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 25, 2022	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2026 · Amount on Record
Deed Sale	Jun 04, 2026 · Amount on Record
Prior Sale	Mar 06, 2025 · Amount on Record
Deed Document Number	202698453
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 04, 2026
Property Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Document Number	0000098453
Instrument Date	Jun 02, 2026
Instrument	202698453
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$92,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Investor	Possibly a Property Investor

Mortgage

Document Number	0000098454,
Date	Jun 04, 2026
Instrument	202698454

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 07, 2026
Property Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Document Number	0000094994
Instrument Date	Apr 30, 2026
Instrument	202694994
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MILLER HOME TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094994,
Date	May 07, 2026
Instrument	202694994

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 11, 2023
Property Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Document Number	0000912132
Instrument Date	Mar 17, 2023
Instrument	2023-0912132
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5315 CAREK CT, LORAIN, OH 44055-3054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 E 33RD ST, LORAIN, OH 44055-1506

July 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	LORAIN OH
Recording Date	Jul 25, 2022
Property Address	975 N RIDGE RD E, LORAIN, OH 44055-3016
Document Number	0000884495
Instrument Date	Jul 14, 2022
Instrument	2022-0884495
Transaction Type	Transfer
Record Updated	Aug 02, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 CAREK CT, LORAIN, OH 44055-3054

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified June 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,489.00 (+1.99%)	$32,960 (-) Land $6,760 Building $26,200	$94,170 (-) Land $19,310 Building $74,860
2024	$1,460.00 (+8.23%)	$32,960 (+36.34%) Land $6,759 Building $26,201	$94,170 (+36.34%) Land $19,310 Building $74,860
2023	$1,349.00 (-2.46%)	$24,175 (-0.02%) Land $7,000 Building $17,175	$69,070 (-) Land $20,000 Building $49,070
2022	$1,383.00	$24,180 Land $7,000 Building $17,180
2021			$69,070 Land $20,000 Building $49,070

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2014 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

May also be available: Cogeco Cable Holdings II, Uniti Group.

Based on FCC filings for 214 locations within half a mile of this property.

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