Lorain County property record for 1421 Garford Ave, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,920 sqft · built 1965 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Jun 2024) |
| Tax Bill | $3,693 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2022 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-003-106-012 |
| Primary APN | 06-25-003-106-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 2,360 sqft |
| 1st Floor Area | 1,083 sqft |
| Basement Area | 775 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 109 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 279 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 1421 GARFORD AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIVERSITY HTS 2 75 X 109 |
| Legal Subdivision | UNIVERSITY HTS 2 |
| Legal Tract | 25 |
| Legal Block | 106 |
| Legal Lot Number | 134 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 71100 |
1421 Garford Ave is owned and occupied by two individuals who bought it in June 2024.
Source: Lorain County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC |
| Sep 30, 2022 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 11, 2024 | Warranty Deed, Transfer · VA Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST FSLA OF LAKEWOOD |
| Aug 23, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Apr 19, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 9, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Jan 17, 2017 | Deed of Trust, Mortgage · Conventional with PMI BUCKEYE CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2024 · Amount on File |
| Deed Sale | Jun 11, 2024 · Amount on File |
| Prior Sale | Sep 27, 2023 · Amount on File |
| Deed Document Number | 202415872 |
| Prior Transfer Date | Aug 1, 2023 |
| Prior Transfer Doc | 0000926781 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000078918 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 2025-0078918 |
| Name | IMPERIUM LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000893291 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 2022-0893291 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 11, 2024 |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000015872 |
| Map Reference | VOL 23 PG 31 |
| Instrument Date | Jun 10, 2024 |
| Instrument | 2024-0015872 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Investor | Possibly a Property Investor |
| Document Number | 0000015873 |
|---|---|
| Date | Jun 11, 2024 |
| Instrument | 2024-0015873 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 27, 2023 |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000930695 |
| Map Reference | VOL 23 PG 31 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 2023-0930695 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | ERIEVIEW |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000930696 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 2023-0930696 |
| Name | FIRST FSLA OF LAKEWOOD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 23, 2023 |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000926781 |
| Map Reference | VOL 23 PG 31 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 2023-0926781 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 19, 2023 |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000912979 |
| Map Reference | VOL 23 PG 31 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023-0912979 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 9, 2018 |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000690491 |
| Instrument Date | Oct 8, 2018 |
| Instrument | 690491 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2018 |
| Title Company | BARRISTER TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $672.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1421 GARFORD AVE ELYRIA OH 440357127, ELYRIA, OH 44035-7127 |
| Document Number | 690492 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 690492 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 1421 GARFORD AVE, ELYRIA, OH 44035-7127 |
| Document Number | 0000616274 |
| Instrument Date | Jan 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2017 |
| Title Company | GRIMSLEY TITLE AGENCY, GRIMSLEY TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1421 GARFORD AVE ELYRIA OH 440357127, ELYRIA, OH 44035-7127 |
| Document Number | 0000616274 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 616274 |
| Name | BUCKEYE CMNTY BK |
|---|---|
| Type | Bank |
| Address | LORAIN, OH 44055 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 22, 2032 |
The 2025 property tax bill for 1421 Garford Ave was $3,693.
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 | $3,693.00 | $78,430 (+%) Land $6,270 Building $72,160 | $224,080 (-) Land $17,910 Building $206,170 |
| 2024 | $3,693.00 (+25.27%) | $78,428 (+45.75%) Land $6,269 Building $72,160 | $224,080 (+45.75%) Land $17,910 Building $206,170 |
| 2023 | $2,948.00 (+0.92%) | $53,809 (%) Land $5,467 Building $48,342 | $153,740 Land $15,620 Building $138,120 |
| 2022 | $2,921.00 | $53,810 Land $5,470 Building $48,340 | |
| 2021 | $153,740 Land $15,620 Building $138,120 |
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 1421 Garford Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1421 Garford Ave 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 | None beyond ember reach |
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 467 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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