Lorain County property record for 2021 W River Rd S, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,590 sqft · built 1951 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,000 (Feb 2022) |
| Tax Bill | $2,489 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-003-101-015 |
| Primary APN | 10-00-003-101-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| Gross Area | 1,758 sqft |
| 1st Floor Area | 1,590 sqft |
| Basement Area | 1,282 sqft |
| Family Room | Family Room |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 199 ft deep x 75 ft wide |
| Pool Area | 512 sqft |
|---|---|
| Porch | Enclosed Frame Porch |
| Porch Area | 228 sqft |
| Deck Area | 572 sqft |
| Patio Area | 572 sqft |
| Canopy | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2021 W RIVER RD S |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRANK POLEN SUB 75 X 199 |
| Legal Subdivision | FRANK POLEN SUB |
| Legal Block | 101 |
| Legal Lot Number | 18 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 70901 |
Source: Lorain County records · APN 10-00-003-101-015
Assessment roll updated May 16, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2021 W RIVER RD S, ELYRIA, OH 44035-6941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 07, 2024 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Feb 09, 2022 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Aug 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRELANDS FCU |
| Dec 14, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 09, 2022 · Amount on Record |
| Deed Sale | Feb 09, 2022 · Amount on Record |
| Prior Sale | Aug 21, 2019 · Amount on Record |
| Deed Document Number | 2022862157 |
| Prior Transfer Date | Nov 20, 2017 |
| Prior Transfer Doc | 0000655079 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 2021 W RIVER RD N, ELYRIA, OH 44035 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | TIMIOS INC, TIMIOS |
| Name | Verified Name |
|---|---|
| Address | 2021 W RIVER RD, ELYRIA, OH 44035-6941 |
| Document Number | 0000012275 |
|---|---|
| Date | May 07, 2024 |
| Instrument | 2024-0012275 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 2021 W RIVER RD N, ELYRIA, OH 44035 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | TIMIOS INC, TIMIOS |
| Name | Verified Name |
|---|---|
| Address | 2021 W RIVER RD, ELYRIA, OH 44035-6941 |
| Document Number | 0000929844 |
|---|---|
| Date | Sep 19, 2023 |
| Instrument | 2023-0929844 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 09, 2022 |
| Property Address | 2021 W RIVER RD N, ELYRIA, OH 44035 |
| Document Number | 0000862157 |
| Map Reference | VOL 17 PG 5 |
| Instrument Date | Feb 08, 2022 |
| Instrument | 2022-0862157 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Title Company | ALL OHIO TITLE, ALLY TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 2021 W RIVER RD N, ELYRIA, OH 44035-2309 |
| Document Number | 0000862158 |
|---|---|
| Date | Feb 09, 2022 |
| Instrument | 2022-0862158 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 21, 2019 |
| Property Address | 2021 W RIVER RD N, ELYRIA, OH 44035 |
| Document Number | 0000727101 |
| Map Reference | VOL 17 PG 5 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 2019-0727101 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2021 W RIVER RD N, ELYRIA, OH 44035-2309 |
| Document Number | 0000727102 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 2019-0727102 |
| Name | FIRELANDS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 14, 2017 |
| Property Address | 2021 W RIVER RD N, ELYRIA, OH 44035 |
| Document Number | 0000655079 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 655079 |
| Transaction Type | Transfer |
| Record Updated | Jan 08, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2021 W RIVER RD N ELYRIA OH 44035, ELYRIA, OH 44035 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Carlisle Township |
| Unified School District | Keystone Local 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 | $2,489.00 (-7.92%) Homeowner's exemption | $62,630 (+0.01%) Land $7,110 Building $55,520 | $178,920 (-) Land $20,300 Building $158,620 |
| 2024 | $2,703.00 (+18.19%) | $62,622 (+35.02%) Land $7,105 Building $55,517 | $178,920 (+35.02%) Land $20,300 Building $158,620 |
| 2023 | $2,287.00 (-1.21%) | $46,379 (%) Land $7,315 Building $39,064 | $132,510 (-) Land $20,900 Building $111,610 |
| 2022 | $2,315.00 | $46,380 Land $7,320 Building $39,060 | |
| 2021 | $132,510 Land $20,900 Building $111,610 |
Source: FEMA National Flood Hazard Layer as of May 25, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 58 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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