Lorain County property record for 396 Prospect St, Elyria, OH 44035 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1940 |
| Square Footage | 936 sqft Living Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $76,500 (2018) |
| Tax Bill | $1,879.00 (2025) |
| Primary APN | 06-25-016-113-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 936 sqft Living Area |
| 1st Floor | 520 sqft 1st Floor |
| Upper Floors | 416 sqft Upper Floors |
| Basement Area | 520 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 6,970 sqft (0.16 acres) |
| Depth X Width | 157 ft x 45 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 480 sqft Garage |
| Porch Area | 144 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 396 PROSPECT ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6477 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PROSPECT STREET 45 X 157 |
| Legal Subdivision | PROSPECT STREET |
| Legal Tract | 25 |
| Legal Block | 113 |
| Legal Lot Number | 16 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2009 |
| Census Tract | 71201 |
Source: Lorain County records · APN 06-25-016-113-009
Assessment roll updated May 16, 2025 · Last verified July 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 |
|---|---|
| Mailing Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Apr 27, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Apr 27, 2018 | Warranty Deed, Transfer MILLER HOME TITLE |
| Nov 30, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2018 · Amount on Record |
| Deed Sale | Apr 27, 2018 · Amount on Record |
| Prior Sale | Nov 30, 2017 · Amount on Record |
| Deed Doc Number | 2018670018 |
| Prior Transfer Date | Dec 30, 2013 |
| Prior Transfer Doc | 0000501609 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 24, 2022 |
| Property Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Document Number | 0000896212 |
| Instrument Date | Oct 04, 2022 |
| Instrument | 2022-0896212 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2022 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Document Number | 0000896213 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 2022-0896213 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Document Number | 0000670242 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 09, 2018 |
| Title Company | MILLER HOME TITLE |
| Name | Verified Name |
|---|---|
| Address | 396 PROSPECT ST #DT ELYRIA OH 440356477, DT, ELYRIA, OH 44035-6477 |
| Document Number | 0000670242 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 670242 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 27, 2018 |
| Property Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Document Number | 0000670018 |
| Instrument Date | Apr 24, 2018 |
| Instrument | 670018 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $306.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 PROSPECT ST ELYRIA OH 440356477, ELYRIA, OH 44035-6477 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 30, 2017 |
| Property Address | 396 PROSPECT ST, ELYRIA, OH 44035-6477 |
| Document Number | 0000653346 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 653346 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $104.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 396 PROSPECT ST ELYRIA OH 440356477, ELYRIA, OH 44035-6477 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City 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 | $1,879.00 (-0.95%) | $39,400 (-0.01%) Land $9,170 Building $30,230 | $112,580 (-) Land $26,210 Building $86,370 |
| 2024 | $1,897.00 (+3.15%) | $39,403 (+17.21%) Land $9,174 Building $30,230 | $112,580 (+17.21%) Land $26,210 Building $86,370 |
| 2023 | $1,839.00 (+0.82%) | $33,618 (-0.01%) Land $7,413 Building $26,205 | $96,050 (-) Land $21,180 Building $74,870 |
| 2022 | $1,824.00 | $33,620 Land $7,410 Building $26,210 | |
| 2021 | $96,050 Land $21,180 Building $74,870 |
396 Prospect St 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 3rd percentile of exposed land nationally · 15th 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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