Lorain County property record for 1040 Gulf Rd, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1950 |
| Square Footage | 3,378 sqft Living Area |
| Lot Size | 21,780 sqft (0.5 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2018) |
| Tax Bill | $5,566.00 (2025) |
| Primary APN | 06-25-165-000-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 3,378 sqft Living Area |
| 1st Floor | 1,635 sqft 1st Floor |
| 2nd Floor | 1,743 sqft 2nd Floor |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 21,780 sqft (0.5 acres) |
| Depth X Width | 365 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 536 sqft Garage |
| Deck Area | 855 sqft Deck |
|---|---|
| Patio Area | 1,079 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 180 sqft Porch |
| Topography | Steep Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1040 GULF RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-2902 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY 3 60 X 481 |
| Legal Subdivision | SPRING VALLEY |
| Legal Tract | 25 |
| Legal Lot Number | 256 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 70101 |
Source: Lorain County records · APN 06-25-165-000-001
Assessment roll updated August 1, 2025 · Last verified March 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 29, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 29, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Aug 22, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on Record |
| Deed Sale | Aug 22, 2018 · Amount on Record |
| Prior Sale | Mar 21, 2016 · Amount on Record |
| Deed Doc Number | 2018004813 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Title Company | ATI |
| Name | Verified Name |
|---|---|
| Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Document Number | 0000868760 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022-0868760 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Document Number | 0000868761 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022-0868761 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 09, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 22, 2018 |
| Property Address | 1040 GULF RD, ELYRIA, OH 44035-2902 |
| Document Number | 0000684718 |
| Map Reference | VOL 12 PG 27 |
| Instrument Date | Aug 22, 2018 |
| Instrument | 2018-0684718 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,040.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,566.00 | $118,190 (+%) Land $13,500 Building $104,690 | $337,680 (-) Land $38,560 Building $299,120 |
| 2024 | $5,566.00 (+12.99%) | $118,188 (+30.75%) Land $13,496 Building $104,692 | $337,680 (+30.75%) Land $38,560 Building $299,120 |
| 2023 | $4,926.00 (+0.37%) | $90,391 (-0.01%) Land $12,306 Building $78,085 | $258,260 (-) Land $35,160 Building $223,100 |
| 2022 | $4,908.00 | $90,400 Land $12,310 Building $78,090 | |
| 2021 | $258,260 Land $35,160 Building $223,100 |
1040 Gulf Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 6th percentile of exposed land nationally · 28th in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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