Lorain County property record for 138 Spruce St, Elyria, OH 44035 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1975 |
| Square Footage | 1,260 sqft Living Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $65,900 (1997) |
| Tax Bill | $1,637.00 (2025) |
| Primary APN | 012665-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 1,812 sqft Gross Area |
| 1st Floor | 708 sqft 1st Floor |
| Basement Area | 552 sqft Basement |
| Family Room | Family Room |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 6,970 sqft (0.16 acres) |
| Depth X Width | 165 ft x 43 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Patio Area | 460 sqft Patio |
| Porch Area | 72 sqft Porch |
| Cooling System | None Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 012665-4 |
|---|---|
| Street Address | 138 SPRUCE ST |
| City | ELYRIA |
| State | OH |
| Zip | 44035-3357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BLCO FRNT 0043.00 DPTH 0165.00 LOT # 38-9 |
| Legal Subdivision | BLCO |
| Legal Tract | 24 |
| Legal Block | 103 |
| Legal Lot Number | 38-9 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 70500 |
Source: Lorain County records · APN 012665-4
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 | 138 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 15, 2017 | Loan Modification, Mortgage US BK |
| Mar 15, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 27, 1997 · Amount on Record |
| Deed Sale | Feb 27, 1997 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 138 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000633427 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 138 SPRUCE ST ELYRIA OH 440353357, ELYRIA, OH 44035-3357 |
| Document Number | 0000633427 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 633427 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 18, 2047 |
| Rate | 3.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 138 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000631919 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 138 SPRUCE ST ELYRIA OH 440353357, ELYRIA, OH 44035-3357 |
| Document Number | 0000631919 |
|---|---|
| Date | Jun 06, 2017 |
| Instrument | 631919 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 05, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,637.00 | $34,260 (-0.01%) Land $5,530 Building $28,730 | $97,890 (-) Land $15,800 Building $82,090 |
| 2024 | $1,637.00 (+26.9%) | $34,262 (+49.4%) Land $5,530 Building $28,732 | $97,890 (+49.4%) Land $15,800 Building $82,090 |
| 2023 | $1,290.00 (+1.65%) | $22,933 (+0.01%) Land $4,260 Building $18,673 | $65,520 (-) Land $12,170 Building $53,350 |
| 2022 | $1,269.00 | $22,930 Land $4,260 Building $18,670 | |
| 2021 | $65,520 Land $12,170 Building $53,350 |
138 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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