Lorain County property record for 430 Colgate Ave, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,906 sqft Living Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $143,000 (2015) |
| Tax Bill | $3,723.00 (2025) |
Source: Lorain County records · APN 06-25-003-108-005
Assessment roll updated August 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 430 COLGATE AVE, ELYRIA, OH 44035-7120 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 26, 2025 | Deed of Trust, Mortgage · Conventional Mortgage WEST CAPITAL LENDING INC |
| Jun 30, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 11, 2015 · Amount on Record |
| Deed Sale | Aug 11, 2015 · Amount on Record |
| Prior Sale | Sep 08, 2010 · Amount on Record |
| Deed Doc Number | 2015003523 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 430 COLGATE AVE, ELYRIA, OH 44035-7120 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 430 COLGATE AVE, ELYRIA, OH 44035-7120 |
| Document Number | 0000080132 |
|---|---|
| Date | Dec 26, 2025 |
| Instrument | 2025-0080132 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 430 COLGATE AVE, ELYRIA, OH 44035-7120 |
| Document Number | 0000768504 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 430 COLGATE AVE ELYRIA OH 440357120, ELYRIA, OH 44035-7120 |
| Document Number | 0000768504 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 768504 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 09, 2045 |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,723.00 (+20.68%) | $78,550 (+40.61%) Land $13,760 Building $64,790 | $224,430 (+40.61%) Land $39,310 Building $185,120 |
| 2023 | $3,085.00 (+0.65%) | $55,864 (-0.01%) Land $11,998 Building $43,866 | $159,610 (-) Land $34,280 Building $125,330 |
| 2022 | $3,065.00 | $55,870 Land $12,000 Building $43,870 | |
| 2021 | $159,610 Land $34,280 Building $125,330 |
Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 4% of the US · above 19% of Ohio |
|---|---|
| Wildfire Likelihood | 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.
| Primary APN | 06-25-003-108-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,906 sqft Living Area |
| 1st Floor | 1,106 sqft 1st Floor |
| 2nd Floor | 800 sqft 2nd Floor |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Traditional Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 9,583 sqft (0.219 acres) |
| Depth X Width | 140 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Deck Area | 210 sqft Deck |
|---|---|
| Patio Area | 210 sqft Patio |
| Porch | Open Porch |
| Porch Area | 128 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 430 COLGATE AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7120 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | UNIVERSITY HTS 3 70 X 140 |
| Legal Subdivision | UNIVERSITY HEIGHTS |
| Legal Tract | 25 |
| Legal Block | 108 |
| Legal Lot Number | 157 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 71100 |
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