245 Oxford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 245 Oxford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,378 sqft · built 1912
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Tax Bill	$2,857 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-074-101-007`

Property Details

APN / Parcel Number

Primary APN	`06-25-074-101-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,378 sqft Living Area
1st Floor Area	980 sqft
2nd Floor Area	655 sqft
Upper Floors Area	582 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.119 acres)
Lot Dimensions	135 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	356 sqft
Patio Area	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	245 OXFORD AVE
City	ELYRIA
State	OH
Zip	44035-6415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E HTS 40 X 135 S/L 1268
Legal Subdivision	EASTERN HEIGHTS
Legal Tract	25
Legal Block	101
Legal Lot Number	1268
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1000
Census Tract	71100

Owner

Source: Lorain County records, as of March 20, 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 Record
Mailing Address	245 OXFORD AVE, ELYRIA, OH 44035-6415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2003
Deed Sale	Aug 14, 2003
Prior Sale	Aug 29, 1997 · Amount on Record
Deed Document Number	2003095265
Prior Transfer Date	Aug 13, 2003
Prior Transfer Doc	940725
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	245 OXFORD AVE, ELYRIA, OH 44035-6415
Transaction Type	Mortgage
Record Updated	Jun 27, 2023
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000917417
Date	May 31, 2023
Instrument	2023-0917417

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	252 Months
Due	May 23, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	245 OXFORD AVE, ELYRIA, OH 44035-6415
Document Number	0000740113
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 OXFORD AVE ELYRIA OH 440356415, ELYRIA, OH 44035-6415

Mortgage

Document Number	0000740113
Date	Nov 27, 2019
Instrument	740113

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 26, 2034

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,857.00	$50,700 (%) Land $6,230 Building $44,470	$144,860 (-) Land $17,810 Building $127,050
2024	$2,857.00 (+49.58%)	$50,702 (+44.66%) Land $6,234 Building $44,468	$144,860 (+44.66%) Land $17,810 Building $127,050
2023	$1,910.00 (+0.37%)	$35,049 (%) Land $6,384 Building $28,665	$100,140 (-) Land $18,240 Building $81,900
2022	$1,903.00	$35,050 Land $6,380 Building $28,670
2021			$100,140 Land $18,240 Building $81,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Claims	1 (1999)
Most Recent Claim	Jul 1999 · rainfall accumulation

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

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	ELYRIA WATER DEPARTMENT serves 68,000 people · EPA ID OH4700411
Water Source	Surface water
Last State Inspection	Jun 2023
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	None 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 632 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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