Lorain County property record for 427 Metcalf Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1954 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Apr 2021) |
| Tax Bill | $1,840 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-031-108-006 |
| Primary APN | 06-25-031-108-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 108 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 427 METCALF RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY 50 X 150 |
| Legal Subdivision | SPRING VALLEY |
| Legal Tract | 25 |
| Legal Block | 108 |
| Legal Lot Number | 463 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 70101 |
Source: Lorain County assessment roll, as of May 16, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2021 | Warranty Deed, Transfer · FHA Mortgage LENDUS LLC |
| May 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI CROSSCOUNTRY MTG |
| Aug 14, 2017 | Deed, Subdivision Related Transfer MILLER HOME TITLE |
| Mar 7, 2017 | Deed of Trust, Mortgage · Conventional with PMI PRIVATE INDIVIDUAL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2021 · Amount on Record |
| Deed Sale | Apr 20, 2021 · Amount on Record |
| Prior Sale | Aug 14, 2017 · Amount on Record |
| Deed Document Number | 2021813453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 20, 2021 |
| Property Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Number | 0000813453 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 2021-0813453 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Number | 0000813577 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021-0813577 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Number | 0000765067 |
| Instrument Date | May 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 427 METCALF RD ELYRIA OH 440352921, ELYRIA, OH 44035-2921 |
| Document Number | 0000765067 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 765067 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 14, 2017 |
| Property Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Number | 0000640346 |
| Map Reference | PB 13 PG 7 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 2017-0640346 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $340.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 427 METCALF RD, ELYRIA, OH 44035-2921 |
| Document Number | 0000621393 |
| Instrument Date | Mar 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2017 |
| Name | Verified Name |
|---|---|
| Address | 40449 BUTTERNUT RIDGE RD ELYRIA OH 440357909, ELYRIA, OH 44035-7909 |
| Document Number | 0000621393 |
|---|---|
| Date | Mar 7, 2017 |
| Instrument | 621393 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | 41807 STATE ROUTE 18, WELLINGTON, OH 44090-9677 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Lorain County assessment roll, as of May 16, 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 | $1,840.00 Homeowner's exemption | $39,090 (-0.01%) Land $9,450 Building $29,640 | $111,690 (-) Land $27,000 Building $84,690 |
| 2024 | $1,840.00 (-11.88%) | $39,092 (+1.99%) Land $9,450 Building $29,642 | $111,690 (+1.99%) Land $27,000 Building $84,690 |
| 2023 | $2,088.00 (+0.34%) | $38,329 (%) Land $7,490 Building $30,839 | $109,510 (-) Land $21,400 Building $88,110 |
| 2022 | $2,081.00 | $38,330 Land $7,490 Building $30,840 | |
| 2021 | $109,510 Land $21,400 Building $88,110 |
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 | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2014 · 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 99.1% of the US · lower than 96% 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 346 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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