428 Michigan Ave, Elyria, OH 44035 Property Records

Lorain County property record for 428 Michigan Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,554 sqft · built 1970
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Sep 2021)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-003-110-092`

Property Details

APN / Parcel Number

Primary APN	`06-25-003-110-092`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	2,082 sqft
1st Floor Area	1,524 sqft
Family Room	Family Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	60 sqft
Deck Area	126 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	428 MICHIGAN AVE
City	ELYRIA
State	OH
Zip	44035-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIVERSITY HTS #3 REVD 60.00 X 140.00
Legal Subdivision	UNIVERSITY HTS 3
Legal Tract	25
Legal Block	110
Legal Lot Number	295
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3013
Census Tract	71100

Owner

428 Michigan Ave is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 MICHIGAN AVE, ELYRIA, OH 44035-7140
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Deed Document Number	2021840741
Prior Transfer Date	Oct 1, 2012
Prior Transfer Doc	20120433474
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 23, 2021
Property Address	428 MICHIGAN AVE, ELYRIA, OH 44035-7140
Document Number	20210840741
Map Reference	VOL 27 PG 3
Instrument Date	Sep 21, 2021
Instrument	2021-0840741
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	428 MICHIGAN AVE, ELYRIA, OH 44035-7140

Mortgage

Document Number	20210840742
Date	Sep 23, 2021
Instrument	2021-0840742

Lender

Name	COMMUNITY STAR CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 428 Michigan Ave was $2,382 with a homeowner's exemption, down 0.5% from the year before.

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	$2,382.00 (-0.5%) Homeowner's exemption	$50,600 (+0.01%) Land $11,800 Building $38,800	$144,560 (-) Land $33,700 Building $110,860
2024	$2,394.00 (+2.7%)	$50,596 (+18.26%) Land $11,795 Building $38,801	$144,560 (+18.26%) Land $33,700 Building $110,860
2023	$2,331.00 (+0.39%)	$42,784 (+0.01%) Land $10,283 Building $32,501	$122,240 Land $29,380 Building $92,860
2022	$2,322.00	$42,780 Land $10,280 Building $32,500
2021			$122,240 Land $29,380 Building $92,860

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

FEMA maps place 428 Michigan Ave in Zone X, an area of minimal flood risk.

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

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.

Wildfire

Wildfire risk around 428 Michigan Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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.

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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20