431 Berkshire Rd, Elyria, OH 44035 Property Records

Lorain County property record for 431 Berkshire Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1953
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Aug 2003)
Tax Bill	$1,700 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-031-107-010`

Property Details

APN / Parcel Number

Primary APN	`06-25-031-107-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	86 sqft
Deck Area	106 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	431 BERKSHIRE RD
City	ELYRIA
State	OH
Zip	44035-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY 50.00 X 150.00
Legal Subdivision	SPRING VALLEY SUBDIVISION #4
Legal Tract	25
Legal Block	107
Legal Lot Number	421
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3002
Census Tract	70101

Owner

Source: Lorain County records, as of March 20, 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 Record
Mailing Address	431 BERKSHIRE RD, ELYRIA, OH 44035-2913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 28, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2003 · Amount on Record
Deed Sale	Aug 21, 2003 · Amount on Record
Prior Sale	Aug 21, 2003 · Amount on Record
Deed Document Number	0000943192
Last Transfer Date	Aug 28, 2020
Transfer Doc	0000776284
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	431 BERKSHIRE RD, ELYRIA, OH 44035-2913
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BERKSHIRE RD, ELYRIA, OH 44035-2913

Mortgage

Document Number	0000895837
Date	Oct 20, 2022
Instrument	2022-0895837

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 28, 2020
Property Address	431 BERKSHIRE RD, ELYRIA, OH 44035-2913
Document Number	0000776284
Instrument Date	Aug 27, 2020
Instrument	776284
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$384.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BERKSHIRE RD ELYRIA OH 440352913, ELYRIA, OH 44035-2913

Mortgage

Document Number	776285
Date	Aug 28, 2020
Instrument	776285

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 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	$1,700.00	$36,100 (-0.01%) Land $9,450 Building $26,650	$103,150 (-) Land $27,000 Building $76,150
2024	$1,700.00 (+0.65%)	$36,103 (+16.42%) Land $9,450 Building $26,653	$103,150 (+16.42%) Land $27,000 Building $76,150
2023	$1,689.00 (+0.36%)	$31,010 (-) Land $7,490 Building $23,520	$88,600 (-) Land $21,400 Building $67,200
2022	$1,683.00	$31,010 Land $7,490 Building $23,520
2021			$88,600 Land $21,400 Building $67,200

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 · 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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 353 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 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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