102 Water St, Elyria, OH 44035 Property Records

Lorain County property record for 102 Water St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$1,050,000 (Aug 2023)
Tax Bill	$1,552 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-066-000-001`

Property Details

APN / Parcel Number

Primary APN	`06-26-066-000-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,482 sqft Living Area
1st Floor Area	761 sqft
Basement Area	721 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	91 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	147 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	102 WATER ST
City	ELYRIA
State	OH
Zip	44035-5330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATER ST 48.73 X 98
Legal Subdivision	WATER ST
Legal Tract	26
Legal Lot Number	25
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	4
Census Block	4021
Census Tract	97600

Owner

Source: Lorain County records, as of June 12, 2026

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

Owner of Record	Company Name on Record
Mailing Address	38 KNOLLWOOD RD, UPPER SADDLE RIVER, NJ 07458-2411
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit POSH LENDING INC
Aug 11, 2023	Warranty Deed, Transfer · Line of Credit VELOCITY COMMERCIAL CAPITAL LLC
Apr 14, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Feb 8, 2005 · Amount on Record
Deed Document Number	2023925349
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	102 WATER ST, ELYRIA, OH 44035-5330
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000887755
Date	Aug 17, 2022
Instrument	2022-0887755

Lender

Name	POSH LENDING INC
Address	17165

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 11, 2023
Property Address	102 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000925349
Map Reference	VOL 309 PG 361
Instrument Date	Aug 4, 2023
Instrument	2023-0925349
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 KNOLLWOOD RD, UPPER SADDLE RIVER, NJ 07458-2411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000925350
Date	Aug 11, 2023
Instrument	2023-0925350

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 14, 2022
Property Address	102 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000871213
Instrument Date	Apr 13, 2022
Instrument	2022-0871213
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 435, AMHERST, OH 44001-0435
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,552.00 (+2.04%)	$31,390 (+0.01%) Land $5,730 Building $25,660	$89,680 (-) Land $16,360 Building $73,320
2024	$1,521.00 (+61.81%)	$31,388 (+86.37%) Land $5,726 Building $25,662	$89,680 (+86.37%) Land $16,360 Building $73,320
2023	$940.00 (+0.32%)	$16,842 (+0.01%) Land $1,330 Building $15,512	$48,120 (-) Land $3,800 Building $44,320
2022	$937.00	$16,840 Land $1,330 Building $15,510
2021			$48,120 Land $3,800 Building $44,320

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

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

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 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	ELYRIA WATER DEPARTMENT serves 68,000 people · EPA ID OH4700411
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (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	None 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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