405 University Ave, Elyria, OH 44035 Property Records

Lorain County property record for 405 University Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,067 sqft · built 1961
Lot Size	0.189 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Aug 2020)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-003-109-014`

Property Details

APN / Parcel Number

Primary APN	`06-25-003-109-014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,067 sqft Living Area
1st Floor Area	992 sqft
2nd Floor Area	1,075 sqft
Upper Floors Area	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	132 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	324 sqft
Deck Area	384 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	405 UNIVERSITY AVE
City	ELYRIA
State	OH
Zip	44035-7155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIV HTS 3 60.00 X 140.00
Legal Subdivision	UNIVERSITY HEIGHTS SUBDIVISION #3
Legal Tract	25
Legal Block	109
Legal Lot Number	221
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3014
Census Tract	71100

Owner

405 University Ave is owned and occupied by two individuals who bought it in August 2020.

Source: Lorain County records, as of March 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 UNIVERSITY AVE, ELYRIA, OH 44035-7155
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Apr 25, 2005 · Amount on File
Deed Document Number	2020004943
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 25, 2020
Property Address	405 UNIVERSITY AVE, ELYRIA, OH 44035-7155
Document Number	0000775710
Instrument Date	Aug 24, 2020
Instrument	775710
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$639.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 UNIVERSITY AVE ELYRIA OH 440357155, ELYRIA, OH 44035-7155

Mortgage

Document Number	775711
Date	Aug 25, 2020
Instrument	775711

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	HACKENSACK, NJ 07601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 405 University Ave was $3,408.

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	$3,408.00	$71,870 (+0.01%) Land $11,800 Building $60,070	$205,320 (-) Land $33,700 Building $171,620
2024	$3,408.00 (+23.66%)	$71,862 (+44.19%) Land $11,795 Building $60,067	$205,320 (+44.19%) Land $33,700 Building $171,620
2023	$2,756.00 (+0.66%)	$49,840 (-) Land $10,283 Building $39,557	$142,400 Land $29,380 Building $113,020
2022	$2,738.00	$49,840 Land $10,280 Building $39,560
2021			$142,400 Land $29,380 Building $113,020

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

FEMA maps place 405 University Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 405 University Ave 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 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.

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 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