1095 Gulf Rd, Elyria, OH 44035 Property Records

Lorain County property record for 1095 Gulf Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,232 sqft · built 1947
Lot Size	1.36 acres (59,242 sqft)
Owner	Individual Name on File
Tax Bill	$3,899 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-176-104-042`

Property Details

APN / Parcel Number

Primary APN	`06-25-176-104-042`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,232 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	59,242 sqft (1.36 acres)

Exterior Amenities

Patio Area	772 sqft
Shed	1 Shed
Shed Area	168 sqft
Canopy	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1095 GULF RD
City	ELYRIA
State	OH
Zip	44035-2971
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E OF R .33 ACRE 115 X 150
Legal Subdivision	E OF R .33 ACRE
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

1095 Gulf Rd is owned and occupied by an individual.

Source: Lorain County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1095 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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 20, 2021
Property Address	1095 GULF RD, ELYRIA, OH 44035-2971
Document Number	0000835223
Instrument Date	Aug 20, 2021
Instrument	2021-0835223
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	AMERICA TITLE, AMERICAN TITLE

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	1095 GULF RD, ELYRIA, OH 44035-2971

Mortgage

Document Number	0000835224
Date	Aug 20, 2021
Instrument	2021-0835224

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Gulf Rd was $3,899 with a homeowner's exemption, down 0.5% 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	$3,899.00 (-0.48%) Homeowner's exemption	$82,790 (+%) Land $16,000 Building $66,790	$236,540 (-) Land $45,720 Building $190,820
2024	$3,918.00 (+8.8%)	$82,789 (+25.27%) Land $16,002 Building $66,787	$236,540 (+25.27%) Land $45,720 Building $190,820
2023	$3,601.00 (+0.36%)	$66,087 (+0.01%) Land $17,913 Building $48,174	$188,820 Land $51,180 Building $137,640
2022	$3,588.00	$66,080 Land $17,910 Building $48,170
2021			$188,820 Land $51,180 Building $137,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1095 Gulf Rd 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	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 1095 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 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 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

Nearby Properties on Gulf Rd

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