422 Oxford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 422 Oxford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,447 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Mar 2020)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit Jun 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-071-105-011`

Property Details

APN / Parcel Number

Primary APN	`06-25-071-105-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,447 sqft Living Area
1st Floor Area	664 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	422 OXFORD AVE
City	ELYRIA
State	OH
Zip	44035-6420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILL R CO SUB 1 40 X 110
Legal Subdivision	HILL R CO SUB 1
Legal Tract	25
Legal Block	105
Legal Lot Number	90
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2003
Census Tract	71100

Owner

Source: Lorain County records, as of July 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	OH
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 23, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CITIZENS BANK NA
Mar 3, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MIDWEST MTG
Oct 5, 2017	Grant Deed, Transfer ATTORNEY ONLY
Jun 26, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on Record
Deed Sale	Mar 3, 2020 · Amount on Record
Prior Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	2020751603
Last Transfer Date	Oct 26, 2022
Transfer Doc	0000899348
Record Updated	Sep 20, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 OXFORD AVE, ELYRIA, OH 44035-6420

Mortgage

Document Number	0000016142
Date	Jun 13, 2024
Instrument	2024-0016142

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 11, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jun 23, 2026
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Document Number	0000100713
Instrument Date	May 21, 2026
Instrument	2026100713
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 OXFORD AVE, ELYRIA, OH 44035-6420

Mortgage

Document Number	0000100713,
Date	Jun 23, 2026
Instrument	2026100713

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Nov 1, 2052

Interest

Rate	6.23%
Max Rate	-1%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Nov 23, 2022
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Document Number	0000899348
Map Reference	VOL 6 PG 55
Instrument Date	Oct 26, 2022
Instrument	2022-0899348
Transaction Type	Transfer
Record Updated	Dec 1, 2022
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE & ESCROW

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	422 OXFORD AVE, ELYRIA, OH 44035-6420

Mortgage

Document Number	0000899349
Date	Nov 23, 2022
Instrument	2022-0899349

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 3, 2020
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Document Number	0000751603
Instrument Date	Feb 25, 2020
Instrument	751603
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	AMERICAN PATRIOT TITLE AGENCY, AMERICAN PATRIOT TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 OXFORD AVE ELYRIA OH 440356420, ELYRIA, OH 44035-6420

Mortgage

Document Number	751604
Date	Mar 3, 2020
Instrument	751604

Lender

Name	AMERICAN MIDWEST MTG
Type	Mortgage Company
Address	PARMA HEIGHTS, OH 44130

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 5, 2017
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Document Number	0000646823
Instrument Date	Oct 3, 2017
Instrument	646823
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$164.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5329 N ABBE ROAD A 2 ELYRIA OH 44035, ELYRIA, OH 44035

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 26, 2017
Property Address	422 OXFORD AVE, ELYRIA, OH 44035-6420
Document Number	0000634461
Instrument Date	Jun 19, 2017
Instrument	634461
Transaction Type	Foreclosure
Record Updated	Jul 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$176.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 OXFORD AVE ELYRIA OH 440356420, ELYRIA, OH 44035-6420

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	$2,150.00	$44,980 (+0.02%) Land $5,650 Building $39,330	$128,490 (-) Land $16,130 Building $112,360
2024	$2,150.00 (+19.38%)	$44,972 (+36.01%) Land $5,646 Building $39,326	$128,490 (+36.01%) Land $16,130 Building $112,360
2023	$1,801.00 (+0.39%)	$33,065 (+0.02%) Land $5,782 Building $27,283	$94,470 (-) Land $16,520 Building $77,950
2022	$1,794.00	$33,060 Land $5,780 Building $27,280
2021			$94,470 Land $16,520 Building $77,950

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 632 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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