106 Water St, Elyria, OH 44035 Property Records

Lorain County property record for 106 Water St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,758 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jun 2022)
Tax Bill	$1,664 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-066-000-002`

Property Details

APN / Parcel Number

Primary APN	`06-26-066-000-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,758 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	863 sqft
Basement Area	868 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1932
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	76 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	106 WATER ST
City	ELYRIA
State	OH
Zip	44035-5330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEMAN ELY 42.15 X 83.09
Legal Subdivision	HEMAN ELY
Legal Tract	26
Legal Block	66
Legal Lot Number	25
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	4
Census Block	4021
Census Tract	97600

Owner

106 Water St is owned and occupied by an individual who bought it in June 2022.

Source: Lorain County records, as of September 24, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	106 WATER ST, ELYRIA, OH 44035-5330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK NA
Sep 28, 2021	Transfer on Death Deed, Transfer
Sep 28, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Prior Sale	Mar 7, 2012 · Amount on File
Prior Transfer Date	Sep 23, 2021
Prior Transfer Doc	20210841493
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 30, 2022
Property Address	106 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000881385
Map Reference	FILE 2010-0343673
Instrument Date	Jun 29, 2022
Instrument	2022-0881385
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	106 WATER ST, ELYRIA, OH 44035-5330

Mortgage

Document Number	0000881386
Date	Jun 30, 2022
Instrument	2022-0881386

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

September 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 28, 2021
Property Address	106 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000841493
Map Reference	MB 3 PG 14
Instrument Date	Sep 23, 2021
Instrument	2021-0841493
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Sep 28, 2021
Property Address	106 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000841492
Map Reference	MB 3 PG 14
Instrument Date	Sep 23, 2021
Instrument	2021-0841492
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WATER ST, ELYRIA, OH 44035-5330

Tax Assessment & Valuation

The 2025 property tax bill for 106 Water St was $1,664, up 2.5% 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	$1,664.00 (+2.46%)	$33,000 (-0.02%) Land $4,590 Building $28,410	$94,300 (-) Land $13,120 Building $81,180
2024	$1,624.00 (+23.87%)	$33,005 (+42.31%) Land $4,592 Building $28,413	$94,300 (+42.32%) Land $13,120 Building $81,180
2023	$1,311.00 (+1.63%)	$23,192 (+0.01%) Land $2,132 Building $21,060	$66,260 Land $6,090 Building $60,170
2022	$1,290.00	$23,190 Land $2,130 Building $21,060
2021			$66,260 Land $6,090 Building $60,170

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.

Flood

FEMA maps place 106 Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 106 Water St is low, with less than a 0.01% annual chance of 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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