Lorain County property record for 127 Spruce St, Elyria, OH 44035 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1970 |
| Square Footage | 1,211 sqft Living Area |
| Lot Size | 9,583 sqft (0.22 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $24,000 (2008) |
| Tax Bill | $1,712.00 (2025) |
| Primary APN | 012662-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,211 sqft Living Area |
| Gross Area | 2,115 sqft Gross Area |
| 1st Floor | 904 sqft 1st Floor |
| Upper Floors | 307 sqft Upper Floors |
| Basement Area | 904 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 9,583 sqft (0.22 acres) |
| Depth X Width | 165 ft x 60 ft Depth x Width |
| Garage Area | 192 sqft Garage |
| Deck Area | Deck Area |
| Patio Area | 30 sqft Patio |
| Porch Area | 196 sqft Porch |
| Cooling System | None Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 012662-9 |
|---|---|
| Street Address | 127 SPRUCE ST |
| City | ELYRIA |
| State | OH |
| Zip | 44035-3356 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | B L CO 60 X 165 S/L 50 LOT # 50 |
| Legal Subdivision | B L CO |
| Legal Tract | 24 |
| Legal Block | 102 |
| Legal Lot Number | 50 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 70500 |
Source: Lorain County records · APN 012662-9
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 |
|---|---|
| Mailing Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 06, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 17, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FIRST AMERICAN TITLE |
| Jul 25, 2019 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 02, 2008 · Amount on Record |
| Deed Sale | Jun 02, 2008 · Amount on Record |
| Prior Sale | Sep 27, 2007 · Amount on Record |
| Deed Doc Number | 2008255629 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Document Number | 0000882139 |
|---|---|
| Date | Jul 06, 2022 |
| Instrument | 2022-0882139 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 17, 2026 |
| Property Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Document Number | 0000104067 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026104067 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Document Number | 0000104067, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 2026104067 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jun 01, 2066 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 127 SPRUCE ST, ELYRIA, OH 44035-3356 |
| Document Number | 0000731265 |
| Instrument Date | Jul 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 127 SPRUCE ST ELYRIA OH 440353356, ELYRIA, OH 44035-3356 |
| Document Number | 0000731265 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 731265 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
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 | $1,712.00 | $35,850 (+0.01%) Land $7,720 Building $28,130 | $102,420 (-) Land $22,050 Building $80,370 |
| 2024 | $1,712.00 (+15.36%) | $35,848 (+35.3%) Land $7,718 Building $28,130 | $102,420 (+35.3%) Land $22,050 Building $80,370 |
| 2023 | $1,484.00 (+1.44%) | $26,496 (-0.02%) Land $5,947 Building $20,549 | $75,700 (-) Land $16,990 Building $58,710 |
| 2022 | $1,463.00 | $26,500 Land $5,950 Building $20,550 | |
| 2021 | $75,700 Land $16,990 Building $58,710 |
127 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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