Lorain County property record for 1408 Prospect St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1971 |
| Square Footage | 728 sqft Living Area |
| Lot Size | 5,227 sqft (0.119 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $55,500 (2019) |
| Tax Bill | $305.00 (2025) |
| Primary APN | 06-25-002-109-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 728 sqft Living Area |
| 1st Floor | 728 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 5,227 sqft (0.119 acres) |
| Depth X Width | 140 ft x 40 ft Depth x Width |
| Patio Area | 168 sqft Patio |
| Heating System | HVAC Heating |
|---|
| Street Address | 1408 PROSPECT ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7160 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ELMWOOD 40 X 140 |
| Legal Subdivision | ELMWOOD ALLOTMENT |
| Legal Tract | 25 |
| Legal Block | 109 |
| Legal Lot Number | 20 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 71201 |
Source: Lorain County records · APN 06-25-002-109-002
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Apr 22, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Dec 30, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOWARD HANNA MTG SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on Record |
| Deed Sale | Dec 30, 2019 · Amount on Record |
| Prior Sale | Oct 12, 2005 |
| Deed Doc Number | 2019007979 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Document Number | 0000872231 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022-0872231 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Document Number | 0000872230 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022-0872230 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 05, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 30, 2019 |
| Property Address | 1408 PROSPECT ST, ELYRIA, OH 44035-7160 |
| Document Number | 0000743628 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 743628 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1408 PROSPECT ST ELYRIA OH 440357160, ELYRIA, OH 44035-7160 |
| Document Number | 743629 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 743629 |
| Name | HOWARD HANNA MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | MAYFIELD HEIGHTS, OH 44124 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 29, 2049 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $305.00 | $26,780 (+0.02%) Land $7,760 Building $19,020 | $76,500 (-) Land $22,160 Building $54,340 |
| 2024 | $305.00 (-48.22%) | $26,775 (+33.92%) Land $7,756 Building $19,019 | $76,500 (+33.93%) Land $22,160 Building $54,340 |
| 2023 | $589.00 (-3.44%) | $19,993 (+0.02%) Land $6,262 Building $13,731 | $57,120 (-) Land $17,890 Building $39,230 |
| 2022 | $610.00 | $19,990 Land $6,260 Building $13,730 | |
| 2021 | $57,120 Land $17,890 Building $39,230 |
1408 Prospect St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 | Low 4th percentile of exposed land nationally · 19th in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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