423 Xavier St, Elyria, OH 44035 Property Records

Lorain County property record for 423 Xavier St, Elyria, OH 44035 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1985
Square Footage	1,421 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Garage	Attached, 480 sqft
Occupancy	Owner Occupied
Tax Bill	$2,088.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`10-00-005-101-098`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,421 sqft Living Area
Gross Area	1,901 sqft Gross Area
1st Floor	960 sqft 1st Floor
Basement Area	461 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1985
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	8,712 sqft (0.2 acres)
Depth X Width	125 ft x 70 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	480 sqft Garage
Deck Area	240 sqft Deck
Patio Area	319 sqft Patio
Porch	Porch

Utilities and HVAC

Cooling System	None Cooling
Heating System	Baseboard Heating
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	423 XAVIER ST
City	ELYRIA
State	OH
Zip	44035-8266
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CHESTNUT RDGE HTS #5 70 X 125 ANNEXED FROM #34 1/1/92
Legal Subdivision	CHESTNUT RDGE HTS 5
Legal Block	101
Legal Lot Number	265
Jurisdiction	LORAIN OH
Minor Civil Division	ELYRIA
Census Blockgroup	1
Census Block	1000
Census Tract	71202

Owner

Source: Lorain County records · APN 10-00-005-101-098

Assessment roll updated May 16, 2025 · Last verified April 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 File
Mailing Address	423 XAVIER ST, ELYRIA, OH 44035-8266
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 23, 2009
Transfer Doc	0000355452
Record Refreshed	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	423 XAVIER ST, ELYRIA, OH 44035-8266
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 XAVIER ST, ELYRIA, OH 44035-8266

Mortgage

Document Number	0000083948
Date	Feb 04, 2026
Instrument	2026-0083948

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,540.00 (+21.65%) Homeowner's exemption	$53,940 (+%) Land $17,840 Building $36,100	$154,110 (-) Land $50,980 Building $103,130
2024	$2,088.00 (+7.57%)	$53,939 (+20.45%) Land $17,843 Building $36,096	$154,110 (+20.45%) Land $50,980 Building $103,130
2023	$1,941.00 (-0.77%)	$44,783 (-0.02%) Land $13,017 Building $31,766	$127,950 (-) Land $37,190 Building $90,760
2022	$1,956.00	$44,790 Land $13,020 Building $31,770
2021			$127,950 Land $37,190 Building $90,760

Flood & Wildfire

423 Xavier St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 2nd percentile of exposed land nationally · 10th in Ohio
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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