1085 Gulf Rd, Elyria, OH 44035 Property Records

Lorain County property record for 1085 Gulf Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,066 sqft · built 1928
Lot Size	7.52 acres (327,571 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Mar 2008)
Tax Bill	$6,589 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone A (high risk)
APN	`06-25-176-104-002`

Property Details

APN / Parcel Number

Primary APN	`06-25-176-104-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,066 sqft Living Area
Gross Area	3,108 sqft
1st Floor Area	1,414 sqft
Basement Area	1,394 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	327,571 sqft (7.52 acres)
Lot Dimensions	435 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	108 sqft
Patio Area	66 sqft
Canopy	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1085 GULF RD
City	ELYRIA
State	OH
Zip	44035-2971
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACR CORR 2/3/14 14-02883-X TOD 2/4/16 20160574356
Legal Subdivision	ACR CORR
Legal Tract	25
Legal Block	104
Legal Lot Number	176
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3000
Census Tract	70101

Owner

1085 Gulf Rd is owned and occupied by two individuals who acquired it in February 2016.

Source: Lorain County records, as of May 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1085 GULF RD, ELYRIA, OH 44035-2971
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Oct 29, 2019	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2008 · Amount on File
Deed Sale	Mar 21, 2008 · Amount on File
Prior Sale	Nov 1, 2007 · Amount on File
Deed Document Number	2008245867
Last Transfer Date	Feb 3, 2016
Transfer Doc	20160574356
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	1085 GULF RD, ELYRIA, OH 44035-2971
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 GULF RD, ELYRIA, OH 44035-2971

Mortgage

Document Number	0000902997
Date	Jan 9, 2023
Instrument	2023-0902997

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	1085 GULF RD, ELYRIA, OH 44035-2971
Document Number	0000736934
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	THIRD CAPITAL

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1085 GULF RD ELYRIA OH 440352971, ELYRIA, OH 44035-2971

Mortgage

Document Number	0000736934
Date	Nov 4, 2019
Instrument	736934

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 3, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1085 Gulf Rd was $6,589 with a homeowner's exemption.

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	$6,589.00 Homeowner's exemption	$138,590 (-0.01%) Land $52,900 Building $85,690	$395,990 (-) Land $151,150 Building $244,840
2024	$6,589.00 (+13.41%)	$138,597 (+30.68%) Land $52,903 Building $85,694	$395,990 (+30.68%) Land $151,150 Building $244,840
2023	$5,810.00 (+0.36%)	$106,057 (%) Land $41,832 Building $64,225	$303,020 Land $119,520 Building $183,500
2022	$5,789.00	$106,060 Land $41,830 Building $64,230
2021			$303,020 Land $119,520 Building $183,500

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 1085 Gulf Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · rainfall accumulation

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 1085 Gulf Rd 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 95% of the US · lower than 78% 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 353 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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