Lorain County property record for 254 Silver Spring Cir, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,350 sqft Living Area |
| Garage | Attached, 528 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $211,000 (2023) |
| Tax Bill | $3,505.00 (2025) |
Source: Lorain County records · APN 06-24-016-000-107
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 05, 2025 | Deed of Trust, Mortgage · Line of Credit DOLLAR BANK FSB |
| Nov 25, 2024 | Deed of Trust, Mortgage · Conventional Mortgage DOLLAR BANK FSB |
| Sep 08, 2023 | Survivorship Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 03, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 08, 2023 · Amount on Record |
| Deed Sale | Sep 08, 2023 · Amount on Record |
| Prior Sale | Oct 03, 2022 |
| Deed Doc Number | 2023004832 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Document Number | 0000077761 |
|---|---|
| Date | Dec 05, 2025 |
| Instrument | 2025-0077761 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Title Company | MAXIMUM TITLE, MAXIMUM TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Document Number | 0000034558 |
|---|---|
| Date | Nov 25, 2024 |
| Instrument | 2024-0034558 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 08, 2023 |
| Property Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Document Number | 0000928579 |
| Map Reference | VOL 110 PG 77 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023-0928579 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Title Company | GUARDIAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Document Number | 0000928580 |
|---|---|
| Date | Sep 08, 2023 |
| Instrument | 2023-0928580 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 03, 2022 |
| Property Address | 254 SILVER SPRING CIR, ELYRIA, OH 44035-4408 |
| Document Number | 0000893575 |
| Map Reference | VOL 110 PG 77 |
| Instrument Date | Oct 03, 2022 |
| Instrument | 2022-0893575 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 260 S LOGAN ST, ELYRIA, OH 44035-6224 |
| Investor | Possibly a Property Investor |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,505.00 | $74,430 (-0.01%) Land $19,250 Building $55,180 | $212,670 (-) Land $55,000 Building $157,670 |
| 2024 | $3,505.00 (+540.77%) | $74,435 (+659.54%) Land $19,250 Building $55,185 | $212,670 (+659.54%) Land $55,000 Building $157,670 |
| 2023 | $547.00 (+0.37%) | $9,800 (-) Land $9,800 | $28,000 (-) Land $28,000 |
| 2022 | $545.00 | $9,800 Land $9,800 | |
| 2021 | $28,000 Land $28,000 |
Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 22% of Ohio |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 06-24-016-000-107 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,350 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 528 sqft Garage |
| Patio Area | 144 sqft Patio |
| Porch | Open Porch |
| Porch Area | 20 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 254 SILVER SPRING CIR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-4408 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RIDGE WATER SUB NO 1 23.53 X 114.80 |
| Legal Lot Number | 47 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 70902 |
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