195 Harvest Way, Elyria, OH 44035 Property Records

Lorain County property record for 195 Harvest Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,480 sqft · built 2023
Owner	2 Individual Names on File
Last Sale	$361,000 (Mar 2024)
Tax Bill	$5,757 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-004-127-057`

Property Details

APN / Parcel Number

Primary APN	`10-00-004-127-057`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,480 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Porch	Open Frame Porch
Porch Area	25 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	195 HARVEST WAY
City	ELYRIA
State	OH
Zip	44035-7884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEST MEADOWS SUB NO 2 52.02 X 130.00
Legal Subdivision	HARVEST MEADOWS SUB NO 2
Legal Block	127
Legal Lot Number	85
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2005
Census Tract	71300

Owner

195 Harvest Way is owned and occupied by two individuals who bought it in March 2024.

Source: Lorain County records, as of April 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	195 HARVEST WAY, ELYRIA, OH 44035-7884
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC
Mar 22, 2024	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2024 · Amount on File
Deed Sale	Mar 22, 2024 · Amount on File
Deed Document Number	20247656
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Apr 6, 2026
Property Address	195 HARVEST WAY, ELYRIA, OH 44035-7884
Document Number	0000090726
Instrument Date	Apr 1, 2026
Instrument	202690726
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ERIEVIEW TITLE AGENCY LLC, ERIEVIEW TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 HARVEST WAY, ELYRIA, OH 44035-7884

Mortgage

Document Number	0000090726,
Date	Apr 6, 2026
Instrument	202690726

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 22, 2024
Property Address	195 HARVEST WAY, ELYRIA, OH 44035-7884
Document Number	0000007656
Map Reference	VOL 113 PG 77-80
Instrument Date	Mar 19, 2024
Instrument	2024-0007656
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 26, 2024

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	195 HARVEST WAY, ELYRIA, OH 44035-7884

Mortgage

Document Number	0000007657
Date	Mar 22, 2024
Instrument	2024-0007657

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 195 Harvest Way was $5,757, down 5.3% from the year before.

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	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,757.00 (-5.3%)	$139,580 (+%) Land $29,750 Building $109,830	$398,790 (-) Land $85,000 Building $313,790
2024	$6,079.00	$139,577 Land $29,750 Building $109,827	$398,790 Land $85,000 Building $313,790

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 195 Harvest Way in Zone X, an area of minimal flood risk.

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	1 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

The area around 195 Harvest Way has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
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	2 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 611 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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