423 Oxford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 423 Oxford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,453 sqft · built 1918
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Aug 2022)
Tax Bill	$2,544 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`013742-1`

Property Details

APN / Parcel Number

Primary APN	`013742-1`
Alternative APN	`06-25-071-106-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,453 sqft Living Area
Gross Area	2,857 sqft
1st Floor Area	751 sqft
Basement Area	702 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	135 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	115 sqft
Deck Area	252 sqft
Patio Area	539 sqft
Balcony Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	013742-1
Street Address	423 OXFORD AVE
City	ELYRIA
State	OH
Zip	44035-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILL REALTY CO 45 X 135 LOT # 133
Legal Subdivision	HILL REALTY CO
Legal Tract	25
Legal Block	106
Legal Lot Number	133
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2004
Census Tract	71100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 29, 2022	Survivorship Deed, Transfer
Apr 25, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 4, 2020	Warranty Deed, Transfer NATIONAL LNDG
Apr 4, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 5, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Mar 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on Record
Deed Sale	Aug 29, 2022 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	2022889246
Prior Transfer Date	Feb 26, 2018
Prior Transfer Doc	0000664081
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 OXFORD AVE, ELYRIA, OH 44035-6419

Mortgage

Document Number	0000076354
Date	Nov 24, 2025
Instrument	2025-0076354

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 29, 2022
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Document Number	0000889246
Map Reference	VOL 6 PG 55
Instrument Date	Aug 24, 2022
Instrument	2022-0889246
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	423 OXFORD AVE, ELYRIA, OH 44035-6419

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 OXFORD AVE, ELYRIA, OH 44035-6419

Mortgage

Document Number	0000872555
Date	Apr 25, 2022
Instrument	2022-0872555

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 4, 2020
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Document Number	0000777319
Instrument Date	Sep 1, 2020
Instrument	777319
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	OHIO REAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 OXFORD AVE ELYRIA OH 440356419, ELYRIA, OH 44035-6419

Mortgage

Document Number	777320
Date	Sep 4, 2020
Instrument	777320

Lender

Name	NATIONAL LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Document Number	0000710111
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 OXFORD AVE ELYRIA OH 440356419, ELYRIA, OH 44035-6419

Mortgage

Document Number	0000710111
Date	Apr 8, 2019
Instrument	710111

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 5, 2019
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Document Number	0000709875
Instrument Date	Apr 2, 2019
Instrument	709875
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$420.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 OXFORD AVE ELYRIA OH 440356419, ELYRIA, OH 44035-6419

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 8, 2018
Property Address	423 OXFORD AVE, ELYRIA, OH 44035-6419
Document Number	0000664081
Instrument Date	Feb 26, 2018
Instrument	664081
Transaction Type	Transfer
Record Updated	Mar 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33173 REDWOOD BLVD AVON LAKE OH 440121341, AVON LAKE, OH 44012-1341

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	$2,544.00	$53,340 (-0.01%) Land $7,010 Building $46,330	$152,410 (-) Land $20,030 Building $132,380
2024	$2,544.00 (-0.24%)	$53,344 (+14.71%) Land $7,011 Building $46,333	$152,410 (+14.71%) Land $20,030 Building $132,380
2023	$2,550.00 (+1.03%)	$46,505 (+0.01%) Land $7,182 Building $39,323	$132,870 (-) Land $20,520 Building $112,350
2022	$2,524.00	$46,500 Land $7,180 Building $39,320
2021			$132,870 Land $20,520 Building $112,350

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

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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