Lorain County property record for 245 Spruce St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1960 |
| Square Footage | 1,144 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Garage | Detached, 280 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $1,835.00 (2025) |
| Primary APN | 06-24-026-110-023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,144 sqft Living Area |
| 1st Floor | 572 sqft 1st Floor |
| 2nd Floor | 572 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| 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 | 280 sqft Garage |
| Porch | Open Porch |
| Porch Area | 184 sqft Porch |
| Heating System | HVAC Heating |
|---|
| Street Address | 245 SPRUCE ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3244 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KAISER BROS FRNT 0040.00 DPTH 0165.00 |
| Legal Subdivision | KAISER BROS FRNT |
| Legal Tract | 24 |
| Legal Block | 110 |
| Legal Lot Number | 11 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3001 |
| Census Tract | 70500 |
Source: Lorain County records · APN 06-24-026-110-023
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 | Individual Name on File |
|---|---|
| Mailing Address | 245 SPRUCE ST, ELYRIA, OH 44035-3244 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 08, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Dec 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 245 SPRUCE ST, ELYRIA, OH 44035-3244 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2022 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000882356 |
|---|---|
| Date | Jul 08, 2022 |
| Instrument | 2022-0882356 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 245 SPRUCE ST, ELYRIA, OH 44035-3244 |
| Document Number | 0000743745 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO |
| Name | Verified Name |
|---|---|
| Address | 245 SPRUCE ST ELYRIA OH 440353244, ELYRIA, OH 44035-3244 |
| Document Number | 0000743745 |
|---|---|
| Date | Jan 02, 2020 |
| Instrument | 743745 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 01, 2030 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,835.00 | $38,980 (+0.02%) Land $6,620 Building $32,360 | $111,350 (-) Land $18,900 Building $92,450 |
| 2024 | $1,835.00 (+13.48%) | $38,973 (+31.25%) Land $6,615 Building $32,358 | $111,350 (+31.25%) Land $18,900 Building $92,450 |
| 2023 | $1,617.00 (+0.31%) | $29,694 (+0.01%) Land $7,133 Building $22,561 | $84,840 (-) Land $20,380 Building $64,460 |
| 2022 | $1,612.00 | $29,690 Land $7,130 Building $22,560 | |
| 2021 | $84,840 Land $20,380 Building $64,460 |
245 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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