1021 W River Rd N, Elyria, OH 44035 Property Records

Lorain County property record for 1021 W River Rd N, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1900
Lot Size	0.419 acres (18,295 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,077 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-24-168-000-008`

Property Details

APN / Parcel Number

Primary APN	`06-24-168-000-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
1st Floor Area	860 sqft
2nd Floor Area	688 sqft
Upper Floors Area	688 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	18,295 sqft (0.419 acres)
Lot Dimensions	185 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	54 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1021 W RIVER RD N
City	ELYRIA
State	OH
Zip	44035-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.43 FRNT 0100.00 DPTH 0185.00
Legal Tract	24
Legal Lot Number	168
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1001
Census Tract	70500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1021 W RIVER RD N, ELYRIA, OH 44035-2809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	1021 W RIVER RD N, ELYRIA, OH 44035-2809
Transaction Type	Mortgage
Record Updated	Mar 2, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 W RIVER RD N, ELYRIA, OH 44035-2809

Mortgage

Document Number	0000085356
Date	Feb 19, 2026
Instrument	2026-0085356

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	1021 W RIVER RD N, ELYRIA, OH 44035-2809
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 W RIVER RD N, ELYRIA, OH 44035-2809

Mortgage

Document Number	0000071260
Date	Oct 14, 2025
Instrument	2025-0071260

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 27, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$2,077.00	$44,120 (%) Land $13,330 Building $30,790	$126,060 (-) Land $38,080 Building $87,980
2024	$2,077.00 (+39.02%)	$44,121 (+60.85%) Land $13,328 Building $30,793	$126,060 (+60.85%) Land $38,080 Building $87,980
2023	$1,494.00 (+0.34%)	$27,430 (-) Land $6,517 Building $20,913	$78,370 (-) Land $18,620 Building $59,750
2022	$1,489.00	$27,430 Land $6,520 Building $20,910
2021			$78,370 Land $18,620 Building $59,750

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 98% of the US · lower than 90% 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.

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 463 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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