Lorain County property record for 220 Spruce St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1928 |
| Square Footage | 1,374 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Garage | Detached, 360 sqft |
| Last Sale | $145,000 (2024) |
| Tax Bill | $2,118.00 (2025) |
| Primary APN | 06-24-026-112-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,374 sqft Living Area |
| 1st Floor | 936 sqft 1st Floor |
| 2nd Floor | 438 sqft 2nd Floor |
| Attic Area | 449 sqft Attic |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 6,534 sqft (0.15 acres) |
| Depth X Width | 165 ft x 40 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 360 sqft Garage |
| Porch | Open Porch |
| Porch Area | 54 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Street Address | 220 SPRUCE ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3245 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KAISER BROS 40.00 X 125.00 |
| Legal Subdivision | KAISER BROS FRNT |
| Legal Tract | 24 |
| Legal Block | 112 |
| Legal Lot Number | 42 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 70500 |
Source: Lorain County records · APN 06-24-026-112-017
Assessment roll updated August 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2875 W RAY RD STE 6, 6, CHANDLER, AZ 85224-3525 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 28, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ROYAL UNITED MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 05, 2024 · Amount on Record |
| Deed Sale | Jun 05, 2024 · Amount on Record |
| Prior Sale | Jan 28, 2020 · Amount on Record |
| Deed Doc Number | 2024002806 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 220 SPRUCE ST, ELYRIA, OH 44035-3245 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000879254 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 2022-0879254 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 28, 2020 |
| Property Address | 220 SPRUCE ST, ELYRIA, OH 44035-3245 |
| Document Number | 0000747236 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 747236 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | WORLDWIDE RECORDING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $368.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 SPRUCE ST ELYRIA OH 440353245, ELYRIA, OH 44035-3245 |
| Document Number | 747237 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 747237 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 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 | $2,118.00 (+28.75%) | $42,840 (+41.88%) Land $6,620 Building $36,220 | $122,390 (+41.87%) Land $18,900 Building $103,490 |
| 2023 | $1,645.00 (+0.37%) | $30,195 (+0.02%) Land $7,133 Building $23,062 | $86,270 (-) Land $20,380 Building $65,890 |
| 2022 | $1,639.00 | $30,190 Land $7,130 Building $23,060 | |
| 2021 | $86,270 Land $20,380 Building $65,890 |
220 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures