316 White Oak Dr, Elyria, OH 44035 Property Records

Lorain County property record for 316 White Oak Dr, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1963
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (May 2004)
Tax Bill	$1,891 (2025)
Deeds & Mortgages	May 2025 Line of Credit Feb 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-25-023-103-040`

Property Details

APN / Parcel Number

Primary APN	`06-25-023-103-040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	142 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Patio Area	96 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	316 WHITE OAK DR
City	ELYRIA
State	OH
Zip	44035-4136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE OAK DR 2 56.00 X 142.00
Legal Subdivision	THE WHITE OAK DRIVE SUBDIVISION #2
Legal Tract	25
Legal Block	103
Legal Lot Number	54
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1005
Census Tract	70600

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	316 WHITE OAK DR, ELYRIA, OH 44035-4136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2004 · Amount on Record
Deed Sale	May 18, 2004 · Amount on Record
Prior Sale	May 18, 2004 · Amount on Record
Deed Document Number	0000003405
Last Transfer Date	Feb 28, 2020
Transfer Doc	0000751000
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	316 WHITE OAK DR, ELYRIA, OH 44035-4136
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 WHITE OAK DR, ELYRIA, OH 44035-4136

Mortgage

Document Number	0000052452
Date	May 14, 2025
Instrument	2025-0052452

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 28, 2020
Property Address	316 WHITE OAK DR, ELYRIA, OH 44035-4136
Document Number	0000751000
Instrument Date	Feb 28, 2020
Instrument	751000
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 WHITE OAK DR ELYRIA OH 440354136, ELYRIA, OH 44035-4136

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	$1,891.00 (+6.48%)	$40,150 (+29.31%) Land $13,200 Building $26,950	$114,710 (+29.31%) Land $37,710 Building $77,000
2023	$1,776.00 (+0.34%)	$31,049 (%) Land $9,387 Building $21,662	$88,710 (-) Land $26,820 Building $61,890
2022	$1,770.00	$31,050 Land $9,390 Building $21,660
2021			$88,710 Land $26,820 Building $61,890

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	1 in force

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	Not rated no burnable land within 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 510 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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