320 Elberta Dr, Vermilion, OH 44089 Property Records

Lorain County property record for 320 Elberta Dr, Vermilion, OH 44089

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1986
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$164,500 (Oct 2026)
Tax Bill	$658 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001776-3`

Property Details

APN / Parcel Number

Primary APN	`001776-3`
Alternative APN	`01-00-001-105-043`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	116 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Deck Area	144 sqft
Patio Area	126 sqft
Canopy	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	001776-3
Street Address	320 ELBERTA DR
City	VERMILION
State	OH
Zip	44089-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELBERTA BCH 40 X 116 LOT # 178
Legal Subdivision	ELBERTA BCH
Legal Block	105
Legal Lot Number	178
Jurisdiction	LORAIN OH
Township / Civil Division	BROWNHELM
Census Block Group	1
Census Block	1022
Census Tract	30101

Owner

320 Elberta Dr is owned and occupied by an individual who bought it in October 2026.

Source: Lorain County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	320 ELBERTA DR, VERMILION, OH 44089-2109
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
Oct 6, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME FINANCIAL
Jun 15, 2026	Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT
Feb 8, 2021	Affidavit of Death of Trustee, Transfer
Feb 8, 2021	Fiduciary Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on File
Deed Sale	Oct 6, 2026 · Amount on File
Prior Sale	Jun 15, 2026 · Amount on File
Deed Document Number	2026114351
Prior Transfer Date	Feb 4, 2021
Prior Transfer Doc	0000802210
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 6, 2026
Property Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Document Number	0000114351
Instrument Date	Oct 2, 2026
Instrument	2026114351
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,458.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Investor	Possibly a Property Investor

Mortgage

Document Number	0000114352,
Date	Oct 6, 2026
Instrument	2026114352

Lender

Name	HOME FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 15, 2026
Property Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Document Number	0000099737
Instrument Date	Jun 15, 2026
Instrument	202699737
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$41,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1802 MONTROSE ST, PHILADELPHIA, PA 19146-2627

February 2021: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	LORAIN OH
Recording Date	Feb 8, 2021
Property Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Document Number	0000802210
Map Reference	VOL 10 PG 13&14
Instrument Date	Feb 4, 2021
Instrument	2021-0802210
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 GREENBRIAR DR, ASHLAND, OH 44805-3461

February 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 8, 2021
Property Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Document Number	0000802211
Map Reference	VOL 10 PG 13&14
Instrument Date	Feb 4, 2021
Instrument	2021-0802211
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 N CATALINA DR, SIERRA VISTA, AZ 85635-1235

Mortgage

Document Number	0000802212
Date	Feb 8, 2021
Instrument	2021-0802212

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	May 22, 2017
Property Address	320 ELBERTA DR, VERMILION, OH 44089-2109
Document Number	0000630286
Instrument Date	Sep 21, 2016
Instrument	630286
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$70.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1612 STATE RD VERMILION OH 440899640, VERMILION, OH 44089-9640

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Brownhelm Township
Municipality	Vermilion City
Unified School District	Vermilion Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$32,890 (-0.01%) Land $6,860 Building $26,030	$93,980 (-) Land $19,600 Building $74,380
2024	$658.00 (+61.27%)	$32,893 (+25.76%) Land $6,860 Building $26,033	$93,980 (+25.76%) Land $19,600 Building $74,380
2023	$408.00 (-8.72%)	$26,156 (-0.02%) Land $6,248 Building $19,908	$74,730 Land $17,850 Building $56,880
2022	$447.00	$26,160 Land $6,250 Building $19,910
2021			$74,730 Land $17,850 Building $56,880

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 320 Elberta Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 320 Elberta Dr 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	VERMILION CITY serves 10,594 people · EPA ID OH2201511
Water Source	Surface water
Last State Inspection	Jun 2025
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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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