2704 W River Rd N, Elyria, OH 44035 Property Records

Lorain County property record for 2704 W River Rd N, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 798 sqft · built 1940
Lot Size	2.98 acres (129,809 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,027 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-22-015-102-015`

Property Details

APN / Parcel Number

Primary APN	`06-22-015-102-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	798 sqft Living Area
1st Floor Area	798 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	129,809 sqft (2.98 acres)
Garage Type	Detached
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	100 sqft
Deck Area	263 sqft
Patio Area	24 sqft
Shed	1 Shed
Shed Area	100 sqft
Pole Barn	1,728 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2704 W RIVER RD N
City	ELYRIA
State	OH
Zip	44035-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33-06-010 -004-01
Legal Subdivision	BURRELL & DAY
Legal Tract	22
Legal Block	102
Legal Lot Number	15
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2027
Census Tract	70200

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	2 Individual Names on Record
Mailing Address	2704 W RIVER RD N, ELYRIA, OH 44035-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	2704 W RIVER RD N, ELYRIA, OH 44035-1316
Document Number	0000787513
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2704 W RIVER RD N ELYRIA OH 440351316, ELYRIA, OH 44035-1316

Mortgage

Document Number	0000787513
Date	Nov 6, 2020
Instrument	787513

Lender

Name	LORMET CMNTY FCU
Type	Credit Union
Address	AMHERST, OH 44001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 5, 2040

Interest

Rate Type	Adjustable Rate

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	$3,027.00	$63,330 (+%) Land $22,910 Building $40,420	$180,940 (-) Land $65,460 Building $115,480
2024	$3,027.00 (+39.24%)	$63,329 (+59.82%) Land $22,911 Building $40,418	$180,940 (+59.83%) Land $65,460 Building $115,480
2023	$2,174.00 (+0.74%)	$39,624 (+0.01%) Land $20,941 Building $18,683	$113,210 (-) Land $59,830 Building $53,380
2022	$2,158.00	$39,620 Land $20,940 Building $18,680
2021			$113,210 Land $59,830 Building $53,380

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 Policies	1 in force
Nearby Flood Claims	2 (2014–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2023 · 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	Low lower than 94% of the US · lower than 71% 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.

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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Windstream.

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