172 Xavier St, Elyria, OH 44035 Property Records

Lorain County property record for 172 Xavier St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,155 sqft · built 1993
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2025)
Tax Bill	$3,982 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-005-101-353`

Property Details

APN / Parcel Number

Primary APN	`10-00-005-101-353`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,155 sqft Living Area
Gross Area	1,875 sqft
1st Floor Area	1,155 sqft
Basement Area	1,092 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	216 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	172 XAVIER ST
City	ELYRIA
State	OH
Zip	44035-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON SUB # 2 70.79 X 125.01
Legal Subdivision	HAMPTON SUB 2
Legal Block	101
Legal Lot Number	54
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1000
Census Tract	71202

Owner

Source: Lorain County records, as of March 24, 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 Record
Mailing Address	172 XAVIER ST, ELYRIA, OH 44035-8800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jan 27, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Jan 27, 2021 · Amount on Record
Deed Document Number	202576269
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 21, 2025
Property Address	172 XAVIER ST, ELYRIA, OH 44035-8800
Document Number	0000076269
Map Reference	VOL 47 PG 45
Instrument Date	Nov 17, 2025
Instrument	2025-0076269
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 XAVIER ST, ELYRIA, OH 44035-8800

Mortgage

Document Number	0000076270
Date	Nov 21, 2025
Instrument	2025-0076270

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	172 XAVIER ST, ELYRIA, OH 44035-8800
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000800211
Date	Jan 27, 2021
Instrument	2021-0800211

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Elyria City
Unified School District	Elyria City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,982.00 (-0.5%) Homeowner's exemption	$84,570 (-0.01%) Land $17,840 Building $66,730	$241,650 (-) Land $50,980 Building $190,670
2024	$4,002.00 (+26.53%)	$84,578 (+45.69%) Land $17,843 Building $66,735	$241,650 (+45.69%) Land $50,980 Building $190,670
2023	$3,163.00 (+0.35%)	$58,055 (-0.01%) Land $13,017 Building $45,038	$165,870 (-) Land $37,190 Building $128,680
2022	$3,152.00	$58,060 Land $13,020 Building $45,040
2021			$165,870 Land $37,190 Building $128,680

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.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2006–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 518 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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