Lorain County property record for 115 Elbert Dr, Grafton, OH 44044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,110 sqft · built 1977 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $239,000 (May 2019) |
| Tax Bill | $4,706 (2025) |
| Deeds & Mortgages | Jan 2025 Second Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-015-101-033 |
| Primary APN | 10-00-015-101-033 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,110 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| 2nd Floor Area | 1,120 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 115 ELBERT DR |
|---|---|
| City | GRAFTON |
| State | OH |
| Zip | 44044-9732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 22-10-015A -009-00 |
| Legal Subdivision | CARLISLE |
| Legal Block | 101 |
| Legal Lot Number | 15 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 77100 |
115 Elbert Dr is owned and occupied by two individuals who bought it in May 2019.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 ELBERT DR, GRAFTON, OH 44044-9732 |
| 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.
| Date | Document |
|---|---|
| Jan 15, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC |
| May 2, 2019 | Warranty Deed, Transfer · Conventional with PMI KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on File |
| Deed Sale | May 2, 2019 · Amount on File |
| Prior Sale | Mar 18, 1999 |
| Deed Document Number | 2019002316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 115 ELBERT DR, GRAFTON, OH 44044-9732 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 115 ELBERT DR, GRAFTON, OH 44044-9732 |
| Document Number | 0000039459 |
|---|---|
| Date | Jan 15, 2025 |
| Instrument | 2025-0039459 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 115 ELBERT DR, GRAFTON, OH 44044-9732 |
| Document Number | 0000779790 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 115 ELBERT DR GRAFTON OH 440449732, GRAFTON, OH 44044-9732 |
| Document Number | 0000779790 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 779790 |
| Name | LENDUS LLC |
|---|---|
| Address | ALAMO, CA 94507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 2, 2019 |
| Property Address | 115 ELBERT DR, GRAFTON, OH 44044-9732 |
| Document Number | 0000713140 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 713140 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | FIRST MERIDIAN TITLE AGENCY, FIRST MERIDIAN TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $956.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 ELBERT DR GRAFTON OH 440449732, GRAFTON, OH 44044-9732 |
| Document Number | 713141 |
|---|---|
| Date | May 2, 2019 |
| Instrument | 713141 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 115 Elbert Dr was $4,706.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Carlisle Township |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,706.00 | $108,590 (%) Land $17,620 Building $90,970 | $310,260 (-) Land $50,350 Building $259,910 |
| 2024 | $4,706.00 (+16.72%) | $108,592 (+32.49%) Land $17,623 Building $90,969 | $310,260 (+32.49%) Land $50,350 Building $259,910 |
| 2023 | $4,032.00 (+0.32%) | $81,960 (-0.01%) Land $16,415 Building $65,545 | $234,170 Land $46,900 Building $187,270 |
| 2022 | $4,019.00 | $81,970 Land $16,420 Building $65,550 | |
| 2021 | $234,170 Land $46,900 Building $187,270 |
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.
FEMA maps place 115 Elbert Dr 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1995–2014) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2014 · other causes |
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 risk around 115 Elbert Dr 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 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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