307 Breckenridge Oval, Elyria, OH 44035 Property Records

Lorain County property record for 307 Breckenridge Oval, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,294 sqft · built 2014
Lot Size	0.039 acres (1,720 sqft)
Owner	2 Individual Names on File
Last Sale	$141,200 (Jan 2015)
Tax Bill	$2,145 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-801-029`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-801-029`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,294 sqft Living Area
Gross Area	1,674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,720 sqft (0.039 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	307 BRECKENRIDGE OVAL
City	ELYRIA
State	OH
Zip	44035-8989
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMONS OF FIELDSTONE LAKES TOWN HOMES PH 12
Legal Subdivision	COMMONS OF FIELDSTONE LAKES TOWN HOMES P
Legal Block	801
Legal Lot Number	29
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2009
Census Tract	91100

Owner

307 Breckenridge Oval is owned and occupied by two individuals who acquired it in December 2015.

Source: Lorain County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 2, 2024	Deed of Trust, Mortgage · VA Mortgage AMERANT BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2015 · Amount on File
Deed Sale	Jan 12, 2015 · Amount on File
Deed Document Number	2015531379
Last Transfer Date	Dec 1, 2015
Transfer Doc	0000571593
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jul 2, 2026
Property Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989
Document Number	0000102134
Instrument Date	Jun 23, 2026
Instrument	2026102134
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989

Mortgage

Document Number	0000102134,
Date	Jul 2, 2026
Instrument	2026102134

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2056

Interest

Rate	6.53%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	TITLECORP, TITLECO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989

Mortgage

Document Number	0000078641
Date	Dec 12, 2025
Instrument	2025-0078641

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	307 BRECKENRIDGE OVAL, ELYRIA, OH 44035-8989
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	FIRELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002807
Date	Feb 2, 2024
Instrument	2024-0002807

Lender

Name	AMERANT BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 307 Breckenridge Oval was $2,145 with a homeowner's exemption.

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Elyria City
Unified School District	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,145.00 Homeowner's exemption	$72,880 (+0.01%) Land $20,130 Building $52,750	$208,210 (-) Land $57,500 Building $150,710
2024	$2,145.00 (+2.53%)	$72,874 (+33.68%) Land $20,125 Building $52,749	$208,210 (+33.68%) Land $57,500 Building $150,710
2023	$2,092.00 (-0.62%)	$54,513 (-0.01%) Land $15,218 Building $39,295	$155,750 Land $43,480 Building $112,270
2022	$2,105.00	$54,520 Land $15,220 Building $39,300
2021			$155,750 Land $43,480 Building $112,270

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

FEMA maps place 307 Breckenridge Oval in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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 (2020–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 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

Wildfire risk around 307 Breckenridge Oval is low, with less than a 0.01% annual chance of 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 298 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
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Breezeline, Verizon.

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