Lorain County property record for 190 Spruce St, Elyria, OH 44035 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1968 |
| Square Footage | 1,184 sqft Living Area |
| Lot Size | 4,356 sqft (0.1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $69,000 (2019) |
| Tax Bill | $1,755.00 (2024) |
| Primary APN | 06-24-026-123-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,184 sqft Living Area |
| 1st Floor | 500 sqft 1st Floor |
| Basement Area | 500 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 4,356 sqft (0.1 acres) |
| Depth X Width | 110 ft x 40 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Patio Area | 90 sqft Patio |
| Porch | Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 190 SPRUCE ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3357 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BRA LAND CO 40.00 X 110.00 |
| Legal Subdivision | BRA LAND CO |
| Legal Tract | 24 |
| Legal Block | 123 |
| Legal Lot Number | 26 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3003 |
| Census Tract | 70500 |
Source: Lorain County records · APN 06-24-026-123-007
Assessment roll updated May 16, 2025 · Last verified April 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 | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 07, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Jul 26, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Nov 04, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN MIDWEST MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2019 · Amount on Record |
| Deed Sale | Nov 04, 2019 · Amount on Record |
| Deed Doc Number | 2019736997 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 07, 2026 |
| Property Address | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000090749 |
| Instrument Date | Apr 01, 2026 |
| Instrument | 202690749 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000090749, |
|---|---|
| Date | Apr 07, 2026 |
| Instrument | 202690749 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000884647 |
|---|---|
| Date | Jul 26, 2022 |
| Instrument | 2022-0884647 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 04, 2019 |
| Property Address | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000736997 |
| Map Reference | VOL 1 PG 1 |
| Instrument Date | Nov 04, 2019 |
| Instrument | 2019-0736997 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | FIDELITY NATIONAL TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 SPRUCE ST, ELYRIA, OH 44035-3357 |
| Document Number | 0000736998 |
|---|---|
| Date | Nov 04, 2019 |
| Instrument | 2019-0736998 |
| Name | AMERICAN MIDWEST MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified April 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 | $1,747.00 (-0.46%) Homeowner's exemption | $37,100 (-0.02%) Land $4,210 Building $32,890 | $106,020 (-) Land $12,040 Building $93,980 |
| 2024 | $1,755.00 (+24.56%) | $37,107 (+43.44%) Land $4,214 Building $32,893 | $106,020 (+43.44%) Land $12,040 Building $93,980 |
| 2023 | $1,409.00 (+0.36%) | $25,869 (%) Land $3,245 Building $22,624 | $73,910 (-) Land $9,270 Building $64,640 |
| 2022 | $1,404.00 | $25,870 Land $3,250 Building $22,620 | |
| 2021 | $73,910 Land $9,270 Building $64,640 |
190 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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