Lorain County property record for 120 Spruce St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1945 |
| Square Footage | 1,339 sqft Living Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $75,000 (2019) |
| Tax Bill | $2,038.00 (2025) |
| Primary APN | 06-24-083-103-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,339 sqft Living Area |
| 1st Floor | 840 sqft 1st Floor |
| 2nd Floor | 499 sqft 2nd Floor |
| Upper Floors | 499 sqft Upper Floors |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 9,583 sqft (0.219 acres) |
| Depth X Width | 165 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 440 sqft Garage |
| Porch | Enclosed Porch |
| Porch Area | 184 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 120 SPRUCE ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | B L CO 60 X 165 |
| Legal Subdivision | WILLIAM A BRAMANS ADD |
| Legal Tract | 24 |
| Legal Block | 103 |
| Legal Lot Number | 42 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 70500 |
Source: Lorain County records · APN 06-24-083-103-016
Assessment roll updated August 1, 2025 · Last verified March 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 |
|---|---|
| Mailing Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage BANK OF AMERICA NA |
| Apr 14, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage BANK OF AMERICA NA |
| Nov 19, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Jul 08, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage LENDUS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 08, 2019 · Amount on Record |
| Deed Sale | Jul 08, 2019 · Amount on Record |
| Prior Sale | Apr 30, 2007 · Amount on Record |
| Deed Doc Number | 2019003906 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000812411 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 2021-0812411 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | DENVER, CO 80249 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210812411 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 2021-0812411 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | DENVER, CO 80249 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000793853 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 120 SPRUCE ST ELYRIA OH 440353357, ELYRIA, OH 44035-3357 |
| Document Number | 0000793853 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 793853 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | TULSA, OK 74137 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 08, 2019 |
| Property Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000721077 |
| Map Reference | VOL 3 PG 1 |
| Instrument Date | Jul 03, 2019 |
| Instrument | 2019-0721077 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000721078 |
|---|---|
| Date | Jul 08, 2019 |
| Instrument | 2019-0721078 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,038.00 | $43,290 (%) Land $7,720 Building $35,570 | $123,690 (-) Land $22,050 Building $101,640 |
| 2024 | $2,038.00 (+42.32%) | $43,292 (+64.72%) Land $7,718 Building $35,574 | $123,690 (+64.72%) Land $22,050 Building $101,640 |
| 2023 | $1,432.00 (+0.35%) | $26,282 (-0.03%) Land $5,947 Building $20,335 | $75,090 (-) Land $16,990 Building $58,100 |
| 2022 | $1,427.00 | $26,290 Land $5,950 Building $20,340 | |
| 2021 | $75,090 Land $16,990 Building $58,100 |
120 Spruce St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
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 |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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