405 Xavier St, Elyria, OH 44035 Property Records

Lorain County property record for 405 Xavier St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,414 sqft · built 1990
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (May 2004)
Tax Bill	$3,342 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-00-005-101-266`

Property Details

APN / Parcel Number

Primary APN	`10-00-005-101-266`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
Gross Area	2,018 sqft
1st Floor Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
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	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	405 XAVIER ST
City	ELYRIA
State	OH
Zip	44035-8266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON SUB #1 70 X 125
Legal Subdivision	HAMPTON SUB 1
Legal Block	101
Legal Lot Number	23
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1000
Census Tract	71202

Owner

Source: Lorain County records, as of August 6, 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	405 XAVIER ST, ELYRIA, OH 44035-8266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE PROS
Nov 1, 2021	Deed of Trust, Mortgage · FHA Mortgage CENTRAL MORTGAGE FUNIDNG LLC
Mar 17, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jul 28, 2022	Affidavit of Death of Joint Tenant, Transfer · Line of Credit DOLLAR BANK FSB
Nov 1, 2021	Deed of Trust, Mortgage · FHA Mortgage CENTRAL MORTGAGE FUNIDNG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2004 · Amount on Record
Deed Sale	May 4, 2004 · Amount on Record
Deed Document Number	2004402
Last Transfer Date	Jul 27, 2022
Transfer Doc	0000885091
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jul 27, 2026
Property Address	405 XAVIER ST, ELYRIA, OH 44035-8266
Document Number	0000104942
Instrument Date	Jun 25, 2026
Instrument	2026104942
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 XAVIER ST, ELYRIA, OH 44035-8266

Mortgage

Document Number	0000104942,
Date	Jul 27, 2026
Instrument	2026104942

Lender

Name	MORTGAGE PROS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	405 XAVIER ST, ELYRIA, OH 44035-8266
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000847287
Date	Nov 1, 2021
Instrument	2021-0847287

Lender

Name	CENTRAL MORTGAGE FUNIDNG LLC
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	405 XAVIER ST, ELYRIA, OH 44035-8266
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 XAVIER ST, ELYRIA, OH 44035-8266

Mortgage

Document Number	0000045650
Date	Mar 17, 2025
Instrument	2025-0045650

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Nov 1, 2051

July 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LORAIN OH
Recording Date	Jul 28, 2022
Property Address	405 XAVIER ST, ELYRIA, OH 44035-8266
Document Number	0000885091
Map Reference	VOL 44 PG 56&57
Instrument Date	Jul 28, 2022
Instrument	2022-0885091
Transaction Type	Transfer
Record Updated	Jun 2, 2026

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	405 XAVIER ST, ELYRIA, OH 44035-8266

Mortgage

Document Number	0000885092
Date	Jul 28, 2022
Instrument	2022-0885092

Lender

Name	DOLLAR BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	405 XAVIER ST, ELYRIA, OH 44035-8266
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210847287
Date	Nov 1, 2021
Instrument	2021-0847287

Lender

Name	CENTRAL MORTGAGE FUNIDNG LLC
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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	$3,342.00	$67,440 (-0.01%) Land $17,840 Building $49,600	$192,700 (-) Land $50,980 Building $141,720
2024	$3,342.00 (+7.22%)	$67,445 (+20.78%) Land $17,843 Building $49,602	$192,700 (+20.78%) Land $50,980 Building $141,720
2023	$3,117.00 (+2.84%)	$55,840 (-) Land $13,017 Building $42,823	$159,540 (-) Land $37,190 Building $122,350
2022	$3,031.00	$55,840 Land $13,020 Building $42,820
2021			$159,540 Land $37,190 Building $122,350

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

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	2 in force
Nearby Flood Claims	2 (2006–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 518 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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