285 Xavier St, Elyria, OH 44035 Property Records

Lorain County property record for 285 Xavier St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1990
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$135,500 (Jul 2015)
Tax Bill	$3,078 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-005-101-275`

Property Details

APN / Parcel Number

Primary APN	`10-00-005-101-275`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	127 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	225 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	285 XAVIER ST
City	ELYRIA
State	OH
Zip	44035-8296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON SUB #1 76.17 X 129.13
Legal Subdivision	HAMPTON SUBDIVISION #1
Legal Block	101
Legal Lot Number	14
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1000
Census Tract	71202

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	285 XAVIER ST, ELYRIA, OH 44035-8296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Prior Sale	Nov 7, 2011 · Amount on Record
Deed Document Number	2015002889
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	285 XAVIER ST, ELYRIA, OH 44035-8296
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 XAVIER ST, ELYRIA, OH 44035-8296

Mortgage

Document Number	0000908273
Date	Mar 2, 2023
Instrument	2023-0908273

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	285 XAVIER ST, ELYRIA, OH 44035-8296
Document Number	0000783751
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 XAVIER ST ELYRIA OH 440358296, ELYRIA, OH 44035-8296

Mortgage

Document Number	0000783751
Date	Oct 15, 2020
Instrument	783751

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

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	$3,078.00	$65,370 (-0.01%) Land $18,660 Building $46,710	$186,790 (-) Land $53,320 Building $133,470
2024	$3,078.00 (+4.41%)	$65,377 (+20.84%) Land $18,662 Building $46,715	$186,790 (+20.84%) Land $53,320 Building $133,470
2023	$2,948.00 (+0.37%)	$54,100 (-) Land $13,612 Building $40,488	$154,570 (-) Land $38,890 Building $115,680
2022	$2,937.00	$54,100 Land $13,610 Building $40,490
2021			$154,570 Land $38,890 Building $115,680

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.

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	2 in force
Nearby Flood Claims	2 (2006–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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 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.

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 518 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
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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