1200 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 1200 Garford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,394 sqft · built 1954
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$82,000 (Sep 2021)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2022 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-004-114-008`

Property Details

APN / Parcel Number

Primary APN	`06-25-004-114-008`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,394 sqft Living Area
Gross Area	1,922 sqft
1st Floor Area	1,394 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	180 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1200 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-7124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIAMI ALLOT 3 90.00 X 180.00
Legal Subdivision	MIAMI ALLOT 3
Legal Tract	25
Legal Block	114
Legal Lot Number	457
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2015
Census Tract	71100

Owner

1200 Garford Ave is owned and occupied by two individuals who bought it in September 2021.

Source: Lorain County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit FEDERAL SAVINGS AND LOANS
Jan 3, 2022	Warranty Deed, Transfer · Line of Credit FIRST FED SAVINGS & LOAN ASSN OF LO
Sep 3, 2021	Warranty Deed, Transfer · Line of Credit DOMINION FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on File
Deed Sale	Sep 3, 2021 · Amount on File
Prior Sale	Oct 13, 2004 · Amount on File
Deed Document Number	2021837736
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Sep 21, 2026
Property Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124
Document Number	0000112235
Instrument Date	Sep 16, 2026
Instrument	2026112235
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124

Mortgage

Document Number	0000112235,
Date	Sep 21, 2026
Instrument	2026112235

Lender

Name	FEDERAL SAVINGS AND LOANS

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 16, 2046

Interest

Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 3, 2022
Property Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124
Document Number	0000856966
Map Reference	VOL 16 PG 7
Instrument Date	Dec 23, 2021
Instrument	2022-0856966
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124

Mortgage

Document Number	0000856967
Date	Jan 3, 2022
Instrument	2022-0856967

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 3, 2021
Property Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124
Document Number	0000837736
Map Reference	VOL 16 PG 07
Instrument Date	Sep 3, 2021
Instrument	2021-0837736
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 GARFORD AVE, ELYRIA, OH 44035-7124

Mortgage

Document Number	0000837737
Date	Sep 3, 2021
Instrument	2021-0837737

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	20 Months
Due	Apr 30, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1200 Garford Ave was $3,840 with a homeowner's exemption.

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Elyria City
Unified School District	Elyria City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,840.00 Homeowner's exemption	$81,540 (%) Land $17,180 Building $64,360	$232,980 (-) Land $49,090 Building $183,890
2024	$3,840.00 (+28.69%)	$81,543 (+48.89%) Land $17,182 Building $64,362	$232,980 (+48.89%) Land $49,090 Building $183,890
2023	$2,984.00 (-2.04%)	$54,769 (%) Land $14,235 Building $40,534	$156,480 Land $40,670 Building $115,810
2022	$3,046.00	$54,770 Land $14,240 Building $40,530
2021			$156,480 Land $40,670 Building $115,810

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1200 Garford Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1200 Garford Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 621 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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