Lorain County property record for 118 Finch Dr, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,004 sqft · built 1996 |
| Lot Size | 0.2 acres (8,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Apr 2001) |
| Tax Bill | $3,476 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-260 |
| Primary APN | 10-00-005-107-260 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,004 sqft Living Area |
| Gross Area | 2,293 sqft |
| 1st Floor Area | 929 sqft |
| Basement Area | 911 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,750 sqft (0.2 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 289 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 120 sqft |
| Patio Area | 92 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 118 FINCH DR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7997 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK 6 70.00 X 125.00 |
| Legal Subdivision | ROBIN PARK 6 |
| Legal Block | 107 |
| Legal Lot Number | 120 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 71300 |
Source: Lorain County records, as of June 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 118 FINCH DR, ELYRIA, OH 44035-7997 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Jul 6, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2001 · Amount on Record |
| Deed Sale | Apr 3, 2001 · Amount on Record |
| Prior Sale | Feb 3, 1997 · Amount on Record |
| Deed Document Number | 2001741979 |
| Last Transfer Date | Jul 1, 2020 |
| Transfer Doc | 0000769817 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 118 FINCH DR, ELYRIA, OH 44035-7997 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000898677 |
|---|---|
| Date | Nov 16, 2022 |
| Instrument | 2022-0898677 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 118 FINCH DR, ELYRIA, OH 44035-7997 |
| Document Number | 0000761423 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 118 FINCH DR ELYRIA OH 440357997, ELYRIA, OH 44035-7997 |
| Document Number | 0000761423 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 761423 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 21, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 118 FINCH DR, ELYRIA, OH 44035-7997 |
| Document Number | 0000680379 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 118 FINCH DR ELYRIA OH 440357997, ELYRIA, OH 44035-7997 |
| Document Number | 0000680379 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 680379 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,476.00 Homeowner's exemption | $84,290 (+%) Land $21,000 Building $63,290 | $240,820 (-) Land $60,000 Building $180,820 |
| 2024 | $3,476.00 (+14.64%) | $84,287 (+28.29%) Land $21,000 Building $63,287 | $240,820 (+28.29%) Land $60,000 Building $180,820 |
| 2023 | $3,032.00 (-0.75%) | $65,702 (+%) Land $14,028 Building $51,674 | $187,720 (-) Land $40,080 Building $147,640 |
| 2022 | $3,055.00 | $65,700 Land $14,030 Building $51,670 | |
| 2021 | $187,720 Land $40,080 Building $147,640 |
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.
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 | 1 in force |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 228 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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