Lorain County property record for 1196 E River St, Elyria, OH 44035 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1948 |
| Square Footage | 1,008 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Garage | Attached, 308 sqft |
| Last Sale | $25,000 (2013) |
| Tax Bill | $1,428.00 (2025) |
| Primary APN | 06-25-003-103-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 1,316 sqft Gross Area |
| 1st Floor | 1,008 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 13,939 sqft (0.32 acres) |
| Depth X Width | 233 ft x 60 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 308 sqft Garage |
| Patio Area | 112 sqft Patio |
|---|---|
| Porch | Open Porch |
| Porch Area | 24 sqft Porch |
| Canopy Area | 112 sqft Canopy |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 1196 E RIVER ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6055 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 20070229344 |
| Legal Subdivision | EAST OF BLAK RIVER |
| Legal Tract | 25 |
| Legal Block | 103 |
| Legal Lot Number | 3 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3009 |
| Census Tract | 71100 |
Source: Lorain County records · APN 06-25-003-103-003
Assessment roll updated May 16, 2025 · Last verified July 2026
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 |
|---|---|
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Nov 08, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 02, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 16, 2023 | Transfer on Death Deed, Transfer |
| Mar 16, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Nov 08, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 16, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 15, 2013 · Amount on Record |
| Deed Sale | Jul 15, 2013 · Amount on Record |
| Prior Sale | Aug 11, 2005 · Amount on Record |
| Deed Doc Number | 2013469950 |
| Prior Transfer Date | Nov 11, 2009 |
| Prior Transfer Doc | 0000317204 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000027739 |
|---|---|
| Date | Sep 26, 2024 |
| Instrument | 2024-0027739 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000848279 |
|---|---|
| Date | Nov 08, 2021 |
| Instrument | 2021-0848279 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 17, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000065700 |
|---|---|
| Date | Sep 02, 2025 |
| Instrument | 2025-0065700 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 16, 2023 |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000909646 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 2023-0909646 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 16, 2023 |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000909645 |
| Map Reference | DOC 2013-0469950 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 2023-0909645 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 20210848279 |
|---|---|
| Date | Nov 08, 2021 |
| Instrument | 2021-0848279 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 17, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1196 E RIVER ST, ELYRIA, OH 44035-6055 |
| Document Number | 0000682364 |
| Instrument Date | Jul 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1196 E RIVER ST ELYRIA OH 440356055, ELYRIA, OH 44035-6055 |
| Document Number | 0000682364 |
|---|---|
| Date | Aug 02, 2018 |
| Instrument | 682364 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 01, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,428.00 | $51,140 (%) Land $13,540 Building $37,600 | $146,120 (-) Land $38,690 Building $107,430 |
| 2024 | $1,428.00 (-2.86%) | $51,142 (+41.46%) Land $13,542 Building $37,601 | $146,120 (+41.47%) Land $38,690 Building $107,430 |
| 2023 | $1,470.00 (-1.14%) | $36,152 (+0.01%) Land $11,809 Building $24,343 | $103,290 (-) Land $33,740 Building $69,550 |
| 2022 | $1,487.00 | $36,150 Land $11,810 Building $24,340 | |
| 2021 | $103,290 Land $33,740 Building $69,550 |
1196 E River St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 3rd percentile of exposed land nationally · 15th in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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