Lorain County property record for 409 Haines St, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,456 sqft · built 1996 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Sep 2024) |
| Tax Bill | $2,778 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-114 |
| Primary APN | 10-00-005-107-114 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 728 sqft |
| 2nd Floor Area | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 256 sqft |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 409 HAINES ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK SUB #1 70 X 125 |
| Legal Subdivision | ROBIN PARK SUBDIVISION #1 |
| Legal Block | 107 |
| Legal Lot Number | 29 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 71300 |
Source: Lorain County records, as of March 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 10, 2024 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2024 · Amount on Record |
| Deed Sale | Sep 10, 2024 · Amount on Record |
| Prior Sale | Aug 25, 2021 · Amount on Record |
| Deed Document Number | 2024004837 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Document Number | 0000076973 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 2025-0076973 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 10, 2024 |
| Property Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Document Number | 0000025870 |
| Map Reference | VOL 34 PG 40 |
| Instrument Date | Sep 6, 2024 |
| Instrument | 2024-0025870 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Document Number | 0000025871 |
|---|---|
| Date | Sep 10, 2024 |
| Instrument | 2024-0025871 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 25, 2021 |
| Property Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Document Number | 0000835950 |
| Map Reference | VOL 34 PG 40 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021-0835950 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 HAINES ST, ELYRIA, OH 44035-8499 |
| Investor | Possibly a Property Investor |
| Document Number | 0000835951 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 2021-0835951 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,778.00 | $67,160 (-0.01%) Land $14,990 Building $52,170 | $191,910 (-) Land $42,840 Building $149,070 |
| 2024 | $2,778.00 (+19.07%) | $67,169 (+32.84%) Land $14,994 Building $52,175 | $191,910 (+32.85%) Land $42,840 Building $149,070 |
| 2023 | $2,333.00 (+0.3%) | $50,562 (+%) Land $7,872 Building $42,690 | $144,460 (-) Land $22,490 Building $121,970 |
| 2022 | $2,326.00 | $50,560 Land $7,870 Building $42,690 | |
| 2021 | $144,460 Land $22,490 Building $121,970 |
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 |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 2 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 228 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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