Lorain County property record for 246 Finch Dr, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,409 sqft · built 1997 |
| Lot Size | 0.238 acres (10,384 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $132,000 (Dec 2016) |
| Tax Bill | $2,515 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-276 |
| Primary APN | 10-00-005-107-276 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,409 sqft Living Area |
| 1st Floor Area | 1,409 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,384 sqft |
| Lot Dimensions | 140 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 33 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 246 FINCH DR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK 6 74 X 140.33 |
| Legal Subdivision | ROBIN PARK |
| Legal Block | 107 |
| Legal Lot Number | 136 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 71300 |
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 | 246 FINCH DR, ELYRIA, OH 44035-7992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Aug 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2016 · Amount on Record |
| Deed Sale | Dec 27, 2016 · Amount on Record |
| Deed Document Number | 2016006666 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 246 FINCH DR, ELYRIA, OH 44035-7992 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 246 FINCH DR, ELYRIA, OH 44035-7992 |
| Document Number | 0000896721 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 2022-0896721 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 246 FINCH DR, ELYRIA, OH 44035-7992 |
| Document Number | 0000777115 |
| Instrument Date | Aug 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 246 FINCH DR ELYRIA OH 440357992, ELYRIA, OH 44035-7992 |
| Document Number | 0000777115 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 777115 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 2, 2050 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,515.00 | $60,980 (-0.01%) Land $21,000 Building $39,980 | $174,240 (-) Land $60,000 Building $114,240 |
| 2024 | $2,515.00 (+20.86%) | $60,984 (+35.27%) Land $21,000 Building $39,984 | $174,240 (+35.27%) Land $60,000 Building $114,240 |
| 2023 | $2,081.00 (+0.34%) | $45,084 (-0.01%) Land $14,028 Building $31,056 | $128,810 (-) Land $40,080 Building $88,730 |
| 2022 | $2,074.00 | $45,090 Land $14,030 Building $31,060 | |
| 2021 | $128,810 Land $40,080 Building $88,730 |
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.
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 |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 228 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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