Lorain County property record for 404 Michigan Ave, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1974 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $107,025 (Apr 2017) |
| Tax Bill | $2,487 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-003-110-086 |
| Primary APN | 06-25-003-110-086 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 404 MICHIGAN AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIVERSITY HTS #3 REVISED 65 X 140 |
| Legal Subdivision | UNIVERSITY HEIGHTS |
| Legal Tract | 25 |
| Legal Block | 110 |
| Legal Lot Number | 301 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 71100 |
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 | 404 MICHIGAN AVE, ELYRIA, OH 44035-7140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI GOLD STAR MTG FIN'L |
| Apr 28, 2017 | Deed, Transfer · FHA Mortgage AMERICAN MIDWEST MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2017 · Amount on Record |
| Deed Sale | Apr 28, 2017 · Amount on Record |
| Prior Sale | Jun 10, 2016 |
| Deed Document Number | 2017001958 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 404 MICHIGAN AVE, ELYRIA, OH 44035-7140 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 40 MICHIGAN AVE, ELYRIA, OH 44035 |
| Document Number | 0000886380 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 2022-0886380 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 26, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 404 MICHIGAN AVE, ELYRIA, OH 44035-7140 |
| Document Number | 0000735104 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | MILLER HOME TITLE |
| Name | Verified Name |
|---|---|
| Address | 404 MICHIGAN AVE ELYRIA OH 440357140, ELYRIA, OH 44035-7140 |
| Document Number | 0000735104 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 735104 |
| Name | GOLD STAR MTG FIN'L |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 20, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 28, 2017 |
| Property Address | 404 MICHIGAN AVE, ELYRIA, OH 44035-7140 |
| Document Number | 0000627576 |
| Map Reference | PB 27 PG 3 |
| Instrument Date | Apr 26, 2017 |
| Instrument | 2017-0627576 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $428.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 MICHIGAN AVE, ELYRIA, OH 44035-7140 |
| Document Number | 0000627577 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 2017-0627577 |
| Name | AMERICAN MIDWEST MORTGAGE CO |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,487.00 | $50,310 (+0.01%) Land $12,780 Building $37,530 | $143,730 (-) Land $36,500 Building $107,230 |
| 2024 | $2,487.00 (+2.85%) | $50,306 (+16.13%) Land $12,775 Building $37,531 | $143,730 (+16.13%) Land $36,500 Building $107,230 |
| 2023 | $2,418.00 (+0.33%) | $43,320 (-) Land $11,144 Building $32,176 | $123,770 (-) Land $31,840 Building $91,930 |
| 2022 | $2,410.00 | $43,320 Land $11,140 Building $32,180 | |
| 2021 | $123,770 Land $31,840 Building $91,930 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 81% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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