1028 Foster Ave, Elyria, OH 44035 Property Records

Lorain County property record for 1028 Foster Ave, Elyria, OH 44035

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 1.5 ba · 1,604 sqft · built 1948
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Apr 2026)
Tax Bill	$138 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-026-115-050`

Property Details

APN / Parcel Number

Primary APN	`06-24-026-115-050`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,604 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	150 ft deep x 22.5 ft wide
Porch	Open Porch

Location & Zoning

Street Address	1028 FOSTER AVE
City	ELYRIA
State	OH
Zip	44035-3256
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	22.5 X 150.09
Legal Subdivision	J AND C SCHATHILES ALLOTMETN
Legal Block	115
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3006
Census Tract	70500

Owner

1028 Foster Ave, residential vacant land, is owned and occupied by two individuals who bought it in April 2026.

Source: Lorain County records, as of April 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1028 FOSTER AVE, ELYRIA, OH 44035-3256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Dec 18, 2024	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 9, 2026	Warranty Deed, Transfer · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION
Sep 3, 2020	Warranty Deed, Transfer HOUSING FIN AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2026 · Amount on File
Deed Sale	Apr 9, 2026 · Amount on File
Prior Sale	Sep 3, 2020 · Amount on File
Deed Document Number	202691317
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	1028 FOSTER AVE, ELYRIA, OH 44035-3256
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036972
Date	Dec 18, 2024
Instrument	2024-0036972

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 9, 2026
Property Address	1028 FOSTER AVE, ELYRIA, OH 44035-3256
Document Number	0000091317
Instrument Date	Apr 7, 2026
Instrument	202691317
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	ICE MORTGAGE TECHNOLOGY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000091318,
Date	Apr 9, 2026
Instrument	202691318

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

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

Interest

Rate	5.98%
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 3, 2020
Property Address	1028 FOSTER AVE, ELYRIA, OH 44035-3256
Document Number	0000777154
Instrument Date	Aug 31, 2020
Instrument	777154
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	MILLER HOME TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1028 FOSTER AVE ELYRIA OH 440353256, ELYRIA, OH 44035-3256

Mortgage

Document Number	777387
Date	Sep 3, 2020
Instrument	777387

Lender

Name	HOUSING FIN AGCY

Agreement

Amount	Amount on Record

Mortgage

Document Number	777386,
Date	Sep 3, 2020
Instrument	777386

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1028 Foster Ave was $138 with a homeowner's exemption, down 0.7% from the year before.

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	$138.00 (-0.72%) Homeowner's exemption	$2,940 (-) Land $2,940	$8,400 (-) Land $8,400
2024	$139.00 (+67.47%)	$2,940 (+92.16%) Land $2,940	$8,400 (+92.22%) Land $8,400
2023	$83.00	$1,530 (-) Land $1,530	$4,370 Land $4,370
2022	$83.00	$1,530 Land $1,530
2021			$4,370 Land $4,370

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

Flood

FEMA maps place 1028 Foster Ave in Zone X, an area of minimal flood risk.

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
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

The area around 1028 Foster Ave 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	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 510 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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