Lorain County property record for 38872 E River Rd, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 1,764 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $176,000 (2017) |
| Tax Bill | $3,625.00 (2025) |
| Primary APN | 10-00-005-107-232 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,764 sqft Living Area |
| 1st Floor | 1,148 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Split Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 125 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 528 sqft Garage |
| Deck Area | 256 sqft Deck |
|---|---|
| Patio Area | 256 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 24 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 38872 E RIVER RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8422 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TOD 9/10/14- 20140518096 |
| Legal Block | 107 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 71300 |
Source: Lorain County records · APN 10-00-005-107-232
Assessment roll updated August 1, 2025 · Last verified March 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| May 22, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 17, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MTG |
| Jun 01, 2017 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage RESIDENTIAL MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 2017 · Amount on Record |
| Deed Sale | Jun 01, 2017 · Amount on Record |
| Prior Sale | Sep 10, 2014 · Amount on Record |
| Deed Doc Number | 2017002733 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Document Number | 0000890892 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 2022-0890892 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000013942 |
|---|---|
| Date | May 22, 2024 |
| Instrument | 2024-0013942 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Document Number | 0000049396 |
|---|---|
| Date | Apr 17, 2025 |
| Instrument | 2025-0049396 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Document Number | 0000768318 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 38872 E RIVER RD ELYRIA OH 440358422, ELYRIA, OH 44035-8422 |
| Document Number | 0000768318 |
|---|---|
| Date | Jul 08, 2020 |
| Instrument | 768318 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 07, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 01, 2017 |
| Property Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Document Number | 0000631569 |
| Map Reference | PB 52 PG 31 |
| Instrument Date | May 31, 2017 |
| Instrument | 2017-0631569 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $704.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38872 E RIVER RD, ELYRIA, OH 44035-8422 |
| Document Number | 0000631570 |
|---|---|
| Date | Jun 01, 2017 |
| Instrument | 2017-0631570 |
| Name | RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,625.00 | $87,880 (-0.01%) Land $18,490 Building $69,390 | $251,100 (-) Land $52,840 Building $198,260 |
| 2024 | $3,625.00 (+27.1%) | $87,885 (+42.21%) Land $18,494 Building $69,391 | $251,100 (+42.21%) Land $52,840 Building $198,260 |
| 2023 | $2,852.00 (+0.32%) | $61,800 (-) Land $13,594 Building $48,206 | $176,570 (-) Land $38,840 Building $137,730 |
| 2022 | $2,843.00 | $61,800 Land $13,590 Building $48,210 | |
| 2021 | $176,570 Land $38,840 Building $137,730 |
38872 E River Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 22nd in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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