Lorain County property record for 1309 Bank St, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,375 sqft · built 1923 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Jul 2021) |
| Tax Bill | $1,500 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-26-008-101-010 |
| Primary APN | 06-26-008-101-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,375 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Basement Area | 875 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Porch | Open Frame Porch |
| Porch Area | 75 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Street Address | 1309 BANK ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HYLAND 65.465 |
| Legal Subdivision | HYLAND |
| Legal Tract | 26 |
| Legal Block | 101 |
| Legal Lot Number | 6 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 71400 |
1309 Bank St is owned and occupied by an individual who bought it in July 2021.
Source: Lorain County records, as of September 30, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1309 BANK ST, ELYRIA, OH 44035-7008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 23, 2021 | Warranty Deed, Transfer · FHA Mortgage YOUR HOME FINANCIAL LLC |
| May 19, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| May 19, 2020 | Warranty Deed, Transfer BARKNA PROP GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on File |
| Deed Sale | Jul 23, 2021 · Amount on File |
| Prior Sale | May 19, 2020 · Amount on File |
| Prior Transfer Date | Dec 29, 1998 |
| Prior Transfer Doc | 0000586502 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 23, 2021 |
| Property Address | 1309 BANK ST, ELYRIA, OH 44035-7008 |
| Document Number | 20210830281 |
| Map Reference | VOL 4 PG 21 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021-0830281 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | NEWMAN TITLE AGENCY LIMITED, NEWMAN TITLE AGENCY LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1309 BANK ST, ELYRIA, OH 44035-7008 |
| Document Number | 20210830282 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021-0830282 |
| Name | YOUR HOME FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 19, 2020 |
| Property Address | 1309 BANK ST, ELYRIA, OH 44035-7008 |
| Document Number | 0000761009 |
| Instrument Date | May 18, 2020 |
| Instrument | 761009 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2305 CITY VIEW DR CLEVELAND OH 441134549, CLEVELAND, OH 44113-4549 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 19, 2020 |
| Property Address | 1309 BANK ST, ELYRIA, OH 44035-7008 |
| Document Number | 0000761008 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 761008 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1151 BROCKLEY AVE LAKEWOOD OH 441072419, LAKEWOOD, OH 44107-2419 |
| Document Number | 761009 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 761009 |
| Name | BARKNA PROP GROUP LLC |
|---|---|
| Address | 2305 CITY VIEW DR, CLEVELAND, OH 44113-4549 |
| Amount | Amount on Record |
|---|---|
| Term | 24 Months |
| Due | May 18, 2022 |
The 2025 property tax bill for 1309 Bank St was $1,500 with a homeowner's exemption, up 1.1% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,500.00 (+1.15%) Homeowner's exemption | $31,180 (-0.01%) Land $8,280 Building $22,900 | $89,090 (-) Land $23,660 Building $65,430 |
| 2024 | $1,483.00 (+57.26%) | $31,182 (+80.16%) Land $8,281 Building $22,901 | $89,090 (+80.16%) Land $23,660 Building $65,430 |
| 2023 | $943.00 (-1.77%) | $17,308 (-0.01%) Land $2,881 Building $14,427 | $49,450 Land $8,230 Building $41,220 |
| 2022 | $960.00 | $17,310 Land $2,880 Building $14,430 | |
| 2021 | $49,450 Land $8,230 Building $41,220 |
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.
FEMA maps place 1309 Bank St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2011–2012) |
| Most Recent Claim | Oct 2012 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1309 Bank St 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 97% of the US · lower than 85% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 285 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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