Lorain County property record for 120 Water St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,274 sqft Living Area |
| Lot Size | 3,485 sqft (0.08 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $98,000 (2022) |
| Tax Bill | $1,330.00 (2025) |
Source: Lorain County records · APN 06-26-066-000-020
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 WATER ST, ELYRIA, OH 44035-5350 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 06, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage US BANK NA |
| Aug 28, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage US BANK NA |
| Apr 27, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORIA DEVELOPMENT INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Prior Sale | Jun 28, 1999 · Amount on Record |
| Deed Doc Number | 2022002379 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 120 WATER ST, ELYRIA, OH 44035-5350 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 120 WATER ST, ELYRIA, OH 44035-5350 |
| Document Number | 0000025564 |
|---|---|
| Date | Sep 06, 2024 |
| Instrument | 2024-0025564 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 120 WATER ST, ELYRIA, OH 44035-5350 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 120 WATER ST, ELYRIA, OH 44035-5350 |
| Document Number | 0000927116 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 2023-0927116 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 27, 2022 |
| Property Address | 120 WATER ST, ELYRIA, OH 44035-5350 |
| Document Number | 0000872742 |
| Map Reference | VOL 3 PG 14 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022-0872742 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | ERIE TITLE BARRISTERS GROUP |
| Amount | Amount Recorded |
|---|---|
| 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 WATER ST, ELYRIA, OH 44035-5350 |
| Document Number | 0000872743 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022-0872743 |
| Name | MORIA DEVELOPMENT INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Number | 0000872744 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022-0872744 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | ELYRIA, OH 44035 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,330.00 | $27,570 (+0.01%) Land $5,170 Building $22,400 | $78,760 (-) Land $14,760 Building $64,000 |
| 2024 | $1,330.00 (+40.44%) | $27,566 (+62.73%) Land $5,166 Building $22,400 | $78,760 (+62.73%) Land $14,760 Building $64,000 |
| 2023 | $947.00 (+0.53%) | $16,940 (-) Land $2,394 Building $14,546 | $48,400 (-) Land $6,840 Building $41,560 |
| 2022 | $942.00 | $16,940 Land $2,390 Building $14,550 | |
| 2021 | $48,400 Land $6,840 Building $41,560 |
Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 06-26-066-000-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,274 sqft Living Area |
| 1st Floor | 848 sqft 1st Floor |
| 2nd Floor | 426 sqft 2nd Floor |
| Upper Floors | 426 sqft Upper Floors |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 3,485 sqft (0.08 acres) |
| Depth X Width | 81 ft x 45 ft Depth x Width |
| Garage Type | Detached Garage |
| Garage Area | 192 sqft Garage |
| Porch | Open Porch |
| Porch Area | 106 sqft Porch |
| Heating System | HVAC Heating |
|---|
| Street Address | 120 WATER ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-5350 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WATER STREET FRONT 45.00 |
| Legal Subdivision | WATER ST FRNT |
| Legal Tract | 26 |
| Legal Lot Number | 157 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 4 |
| Census Block | 4021 |
| Census Tract | 97600 |
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