Lorain County property record for 126 Spruce St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1940 |
| Square Footage | 2,088 sqft Living Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Garage | Detached, 520 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $886.00 (2025) |
| Primary APN | 06-24-083-103-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,088 sqft Living Area |
| 1st Floor | 1,104 sqft 1st Floor |
| 2nd Floor | 984 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| 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 | 520 sqft Garage |
| Deck Area | 40 sqft Deck |
|---|---|
| Patio Area | 40 sqft Patio |
| Porch | Open Porch |
| Porch Area | 192 sqft Porch |
| Heating System | HVAC Heating |
|---|
| Street Address | 126 SPRUCE ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | B L CO FRNT 0060.00 DPTH 0165.00 |
| Legal Subdivision | B L CO FRNT |
| Legal Tract | 24 |
| Legal Block | 103 |
| Legal Lot Number | 41 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 70500 |
Source: Lorain County records · APN 06-24-083-103-015
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 | 126 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage · Building or Construction Mortgage HUNTINGTON NATIONAL BANK |
| May 09, 2017 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) HUNTINGTON NAT'L BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 15, 2026 |
| Property Address | 126 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000103648 |
| Instrument Date | Jul 08, 2026 |
| Instrument | 2026103648 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 126 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000103648, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 2026103648 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 126 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000632414 |
| Instrument Date | May 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 126 SPRUCE ST ELYRIA OH 440353357, ELYRIA, OH 44035-3357 |
| Document Number | 0000632414 |
|---|---|
| Date | Jun 09, 2017 |
| Instrument | 632414 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 08, 2047 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $886.00 | $39,630 (+0.01%) Land $7,720 Building $31,910 | $113,220 (-) Land $22,050 Building $91,170 |
| 2024 | $886.00 (+8.45%) | $39,628 (+63.94%) Land $7,718 Building $31,910 | $113,220 (+63.94%) Land $22,050 Building $91,170 |
| 2023 | $817.00 (-37.73%) | $24,172 (-0.03%) Land $5,947 Building $18,225 | $69,060 (-) Land $16,990 Building $52,070 |
| 2022 | $1,312.00 | $24,180 Land $5,950 Building $18,230 | |
| 2021 | $69,060 Land $16,990 Building $52,070 |
126 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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