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Single Family ResidenceResidential
$428,308$203 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $288,990 on Oct 5, 2009

36095 HARBOR DR

NORTH RIDGEVILLE, OH 44039
3
Beds
3
Baths
2,112 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$428K
$399K low$457K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$288,990 · Oct 5, 2009
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$187,308
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$149,846
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.55%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$191,000
THIRD FSLA OF CLEVELAND · recorded Oct 5, 2009
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
THIRD FSLA OF CLEVELAND

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,086 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$145,702 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$110,702
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$145,702
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$416,290

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
69
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyLorain
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 320 ft²Porch · 25 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Liberty Elementary School
Elementary · Grades 1–2 · 0.8 mi
M
North Ridgeville Academic CenterB+
Middle · Grades 3–8 · 1.5 mi
H
North Ridgeville High SchoolA-
High · Grades 9–12 · 1.6 mi

District: North Ridgeville City School District

Neighborhood · ZIP 44039These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.27
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.36,448
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,529 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,310
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,251
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

36095 Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 81% of homes in Lorain County
  • Costs more per square foot than 77% of homes in Lorain County
  • Bigger than 74% of homes in Lorain County
  • Newer than 89% of homes in Lorain County

What homes are worth in North Ridgeville 44039

Each bar is how many homes fall in that price range. The marker is this home.

This home
$157K$582K

This home is worth more than 78% of homes in North Ridgeville 44039.

How it measures up in North Ridgeville 44039

The dot is this home. The mark in the middle is the typical home in North Ridgeville 44039.

Estimated value$428,308
CheaperTypical $333,043Pricier

Pricier than 78% of homes nearby

Price per ft²$203
CheaperTypical $183Pricier

Pricier than 72% of homes nearby

Living area2,112 ft²
SmallerTypical 1,812 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.31 ac
SmallerTypical 0.3 acBigger

Bigger than 51% of homes nearby

Year built2009
OlderTypical 1998Newer

Newer than 77% of homes nearby

How 36095 Harbor Dr ranks against every home in each area.
MeasureThis homeNorth Ridgeville 44039Lorain County
Estimated valuepricier than$428,30878% of homes81% of homes
Price per ft²pricier than$20372% of homes77% of homes
Living areabigger than2,112 ft²69% of homes74% of homes
Lot sizebigger than0.31 ac51% of homes59% of homes
Year builtnewer than200977% of homes89% of homes

About 36095 Harbor Dr

How much is 36095 Harbor Dr, North Ridgeville, OH worth?

The TopHap Estimate for 36095 Harbor Dr, North Ridgeville, OH is $428,308 as of Jul 14, 2026. The likely range is $399,203 to $457,413. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 36095 Harbor Dr, North Ridgeville, OH last sell?

36095 Harbor Dr, North Ridgeville, OH last sold on Oct 5, 2009 for $288,990, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 36095 Harbor Dr, North Ridgeville, OH?

36095 Harbor Dr, North Ridgeville, OH has 3 bedrooms, 3 bathrooms and 2,112 square feet of living space.

When was 36095 Harbor Dr, North Ridgeville, OH built?

36095 Harbor Dr, North Ridgeville, OH was built in 2009, making it 17 years old. It is a conventional home. The building has 1 story.

What schools serve 36095 Harbor Dr, North Ridgeville, OH?

36095 Harbor Dr, North Ridgeville, OH is assigned to Liberty Elementary School (elementary); North Ridgeville Academic Center (middle), rated B+; North Ridgeville High School (high), rated A-. All sit in North Ridgeville City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 36095 Harbor Dr, North Ridgeville, OH compare to other homes in North Ridgeville 44039?

Among the 14,914 homes in North Ridgeville 44039, it is worth more than 78% of them ($428,308 against a typical $333,043), its price per square foot is higher than 72% of them ($203 against a typical $183), it is bigger than 69% of them (2,112 ft² against a typical 1,812 ft²), its lot is bigger than 51% of them (0.31 ac against a typical 0.3 ac) and it is newer than 77% of them (2009 against a typical 1998). Measured against all of Lorain County, it is worth more than 81% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 36095 Harbor Dr, North Ridgeville, OH?

The 2024 property tax bill for 36095 Harbor Dr, North Ridgeville, OH was $5,086. The county assessed it at $145,702.

Closest homes

More homes in North Ridgeville 44039

Assigned schools

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