109 Breckenridge Oval, Elyria, OH 44035 Property Records

Lorain County property record for 109 Breckenridge Oval, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,484 sqft · built 2018
Lot Size	0.055 acres (2,436 sqft)
Owner	Trust Name on File
Last Sale	$174,000 (Nov 2018)
Tax Bill	$3,371 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2026 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-801-062`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-801-062`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,484 sqft Living Area
Gross Area	1,964 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,436 sqft (0.055 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	32 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 BRECKENRIDGE OVAL
City	ELYRIA
State	OH
Zip	44035-8993
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMONS OF FIELDSTONE LAKES TOWN HOMES PH 17
Legal Subdivision	COMMONS OF FIELDSTONE LAKES TOWN HOMES P
Legal Block	801
Legal Lot Number	UNIT
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2009
Census Tract	91100

Owner

109 Breckenridge Oval is owner-occupied and held in a trust since November 2018.

Source: Lorain County records, as of June 30, 2026

Owner of Record	Trust Name on File
Mailing Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jan 2, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NORTHEASTERN OHIO
Apr 19, 2023	Deed of Trust, Mortgage FIFTH THIRD BANK NA
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Nov 2, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIFTH THIRD BANK
Jul 3, 2018	Quit Claim Deed, Transfer STEWART TITLE
Apr 26, 2018	Grant Deed, Mortgage · Line of Credit WAYNE SVGS CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on File
Deed Sale	Nov 2, 2018 · Amount on File
Deed Document Number	2018693648
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Sep 11, 2026
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Document Number	0000111220
Instrument Date	Sep 4, 2026
Instrument	2026111220
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000111220,
Date	Sep 11, 2026
Instrument	2026111220

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 10, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000080865
Date	Jan 2, 2026
Instrument	2026-0080865

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Nov 25, 2055

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000080101
Date	Dec 26, 2025
Instrument	2025-0080101

Lender

Name	FIFTH THIRD BANK NORTHEASTERN OHIO
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000912950
Date	Apr 19, 2023
Instrument	2023-0912950

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	359 Months
Due	Mar 25, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210818510
Date	May 18, 2021
Instrument	2021-0818510

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Document Number	0000734220
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 BRECKENRIDGE OVAL ELYRIA OH 440358993, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000734220
Date	Oct 15, 2019
Instrument	734220

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 2, 2018
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Document Number	0000693648
Map Reference	VOL103 PG20
Instrument Date	Oct 29, 2018
Instrument	2018-0693648
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2022

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993

Mortgage

Document Number	0000693649
Date	Nov 2, 2018
Instrument	2018-0693649

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 3, 2018
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Document Number	0000678553
Instrument Date	Jun 19, 2018
Instrument	678553
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 16155 ROCKY RIVER OH 441160155, ROCKY RIVER, OH 44116-0155

April 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 26, 2018
Property Address	109 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8993
Instrument Date	Apr 26, 2018
Instrument	669911
Transaction Type	Mortgage
Record Updated	May 7, 2018
Title Company	RET SOLUTIONS

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2932 WOOSTER RD ROCKY RIVER OH 441162922, ROCKY RIVER, OH 44116-2922

Mortgage

Document Number	0000669911
Date	Apr 26, 2018
Instrument	669911

Lender

Name	WAYNE SVGS CMNTY BK
Type	Federal Savings Bank
Address	151 N MARKET ST, WOOSTER, OH 44691-4809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Breckenridge Oval was $3,371 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	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,371.00 Homeowner's exemption	$81,730 (+0.01%) Land $20,130 Building $61,600	$233,500 (-) Land $57,500 Building $176,000
2024	$3,371.00 (+11.96%)	$81,725 (+25.28%) Land $20,125 Building $61,600	$233,500 (+25.28%) Land $57,500 Building $176,000
2023	$3,011.00 (+0.3%)	$65,233 (-0.01%) Land $15,218 Building $50,015	$186,380 Land $43,480 Building $142,900
2022	$3,002.00	$65,240 Land $15,220 Building $50,020
2021			$186,380 Land $43,480 Building $142,900

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 109 Breckenridge Oval in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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	2 in force
Nearby Flood Claims	2 (2020–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2023 · 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 109 Breckenridge Oval 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 99.1% of the US · lower than 96% 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Breezeline, Verizon.

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