Lorain County property record for 407 Michigan Ave, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,944 sqft · built 1973 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $93,000 (Jul 2011) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-003-111-055 |
| Primary APN | 06-25-003-111-055 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,944 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 154 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Heating System | HVAC |
|---|
| Street Address | 407 MICHIGAN AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIVERSITY HTS #3 REVD 65 X 154.19 |
| Legal Subdivision | UNIVERSITY HEIGHTS RESUBDIVISION #3 |
| Legal Tract | 25 |
| Legal Block | 111 |
| Legal Lot Number | 330 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3012 |
| 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 | 407 MICHIGAN AVE, ELYRIA, OH 44035-7139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2011 · Amount on Record |
| Deed Sale | Jul 19, 2011 · Amount on Record |
| Prior Sale | Jul 26, 2002 |
| Deed Document Number | 2011002649 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 407 MICHIGAN AVE, ELYRIA, OH 44035-7139 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000909024 |
|---|---|
| Date | Mar 10, 2023 |
| Instrument | 2023-0909024 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 407 MICHIGAN AVE, ELYRIA, OH 44035-7139 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000865135 |
|---|---|
| Date | Mar 2, 2022 |
| Instrument | 2022-0865135 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 407 MICHIGAN AVE, ELYRIA, OH 44035-7139 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 20210821199 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021-0821199 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
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 | $3,126.00 | $66,390 (+%) Land $13,250 Building $53,140 | $189,680 (-) Land $37,860 Building $151,820 |
| 2024 | $3,126.00 (+46.55%) | $66,388 (+69.52%) Land $13,251 Building $53,137 | $189,680 (+69.52%) Land $37,860 Building $151,820 |
| 2023 | $2,133.00 (+0.33%) | $39,162 (-0.02%) Land $11,557 Building $27,605 | $111,890 (-) Land $33,020 Building $78,870 |
| 2022 | $2,126.00 | $39,170 Land $11,560 Building $27,610 | |
| 2021 | $111,890 Land $33,020 Building $78,870 |
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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