188 Elyria Ave, Amherst, OH 44001 Property Records

Lorain County property record for 188 Elyria Ave, Amherst, OH 44001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,080 sqft · built 1920
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Mar 2020)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-00-024-122-041`

Property Details

APN / Parcel Number

Primary APN	`05-00-024-122-041`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,080 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	312 ft deep x 37 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	168 sqft
Shed	1 Shed
Shed Area	400 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	188 ELYRIA AVE
City	AMHERST
State	OH
Zip	44001-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARRIS ADD 36.70 X 313.50
Legal Subdivision	HARRIS ADD
Legal Block	122
Legal Lot Number	124&1
Jurisdiction	LORAIN OH
Township / Civil Division	AMHERST
Census Block Group	1
Census Block	1009
Census Tract	50301

Owner

188 Elyria Ave is owned and occupied by two individuals who bought it in March 2020.

Source: Lorain County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	188 ELYRIA AVE, AMHERST, OH 44001-2314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Mar 13, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jan 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Deed Document Number	2020752970
Prior Transfer Date	Jan 22, 2020
Prior Transfer Doc	0000747250
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	188 ELYRIA AVE, AMHERST, OH 44001-2314
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210812827
Date	Apr 15, 2021
Instrument	2021-0812827

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 13, 2020
Property Address	188 ELYRIA AVE, AMHERST, OH 44001-2314
Document Number	0000752970
Instrument Date	Mar 12, 2020
Instrument	752970
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	188 ELYRIA AVE AMHERST OH 440012314, AMHERST, OH 44001-2314

Mortgage

Document Number	752971
Date	Mar 13, 2020
Instrument	752971

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 28, 2020
Property Address	188 ELYRIA AVE, AMHERST, OH 44001-2314
Document Number	0000747250
Instrument Date	Jan 22, 2020
Instrument	747250
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	558 MERCER ST GRAND PRAIRIE TX 750523416, GRAND PRAIRIE, TX 75052-3416

Tax Assessment & Valuation

The 2025 property tax bill for 188 Elyria Ave was $2,498 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,498.00 Homeowner's exemption	$60,850 (+0.01%) Land $8,530 Building $52,320	$173,840 (-) Land $24,360 Building $149,480
2024	$2,498.00 (+37.25%)	$60,844 (+64.8%) Land $8,526 Building $52,318	$173,840 (+64.81%) Land $24,360 Building $149,480
2023	$1,820.00 (+4.18%)	$36,919 (%) Land $7,984 Building $28,935	$105,480 Land $22,810 Building $82,670
2022	$1,747.00	$36,920 Land $7,980 Building $28,940
2021			$105,480 Land $22,810 Building $82,670

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

FEMA maps place 188 Elyria Ave in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 188 Elyria 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	Direct burnable vegetation

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	AMHERST CITY PWS serves 11,797 people · EPA ID OH4700003
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Breezeline Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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