112 Water St, Elyria, OH 44035 Property Records

Lorain County property record for 112 Water St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,440 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Aug 2022)
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-066-000-004`

Property Details

APN / Parcel Number

Primary APN	`06-26-066-000-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
2nd Floor Area	720 sqft
Attic Area	346 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	64 ft deep x 40 ft wide
Porch	Enclosed Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	112 WATER ST
City	ELYRIA
State	OH
Zip	44035-5330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATER ST 42.15 X 70.14
Legal Subdivision	HERMAN ELYS TOWN PLAT
Legal Tract	26
Legal Lot Number	24&25
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	4
Census Block	4021
Census Tract	97600

Owner

Source: Lorain County assessment roll, as of August 1, 2025

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
Mailing Address	112 WATER ST, ELYRIA, OH 44035-5330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Sep 19, 2025	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Oct 1, 2024	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Aug 29, 2022	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Feb 13, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2022 · Amount on Record
Deed Sale	Aug 29, 2022 · Amount on Record
Prior Sale	Apr 8, 2004 · Amount on Record
Deed Document Number	2022005481
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	112 WATER ST, ELYRIA, OH 44035-5330
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000008300
Date	Mar 29, 2024
Instrument	2024-0008300

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Sep 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	112 WATER ST, ELYRIA, OH 44035-5330
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000068219
Date	Sep 19, 2025
Instrument	2025-0068219

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Sep 1, 2052

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	112 WATER ST, ELYRIA, OH 44035-5330
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000028310
Date	Oct 1, 2024
Instrument	2024-0028310

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 29, 2022
Property Address	112 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000889221
Instrument Date	Aug 16, 2022
Instrument	2022-0889221
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	ERIEVIEW TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000889222
Date	Aug 29, 2022
Instrument	2022-0889222

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0000889223
Date	Aug 29, 2022
Instrument	2022-0889223

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	112 WATER ST, ELYRIA, OH 44035-5330
Document Number	0000750994
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 WATER ST ELYRIA OH 440355330, ELYRIA, OH 44035-5330

Mortgage

Document Number	0000750994
Date	Feb 28, 2020
Instrument	750994

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$1,407.00	$29,190 (+0.02%) Land $4,090 Building $25,100	$83,380 (-) Land $11,680 Building $71,700
2024	$1,407.00 (+46.87%)	$29,183 (+68.78%) Land $4,088 Building $25,095	$83,380 (+68.79%) Land $11,680 Building $71,700
2023	$958.00 (+106.91%)	$17,291 (+0.01%) Land $1,894 Building $15,397	$49,400 (-) Land $5,410 Building $43,990
2022	$463.00	$17,290 Land $1,890 Building $15,400
2021			$49,400 Land $5,410 Building $43,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

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)
Uniti Group 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 USA, Verizon.

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