438 Adams St, Elyria, OH 44035 Property Records

Lorain County property record for 438 Adams St, Elyria, OH 44035 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1955
Square Footage	1,160 sqft Living Area
Lot Size	6,098 sqft (0.139 acres)
Garage	Detached, 528 sqft
Occupancy	Owner Occupied
Tax Bill	$1,637.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-24-069-102-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,160 sqft Living Area
1st Floor	576 sqft 1st Floor
2nd Floor	584 sqft 2nd Floor
Stories	2 Stories
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1955
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	6,098 sqft (0.139 acres)
Depth X Width	129 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	528 sqft Garage
Porch	Enclosed Porch
Porch Area	269 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	438 ADAMS ST
City	ELYRIA
State	OH
Zip	44035-3311
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	E & B FRNT 0050.00 DPTH 0126.00
Legal Subdivision	ELY BOYTON FIRST ADDITION
Legal Tract	24
Legal Block	102
Legal Lot Number	1,9
Jurisdiction	LORAIN OH
Minor Civil Division	ELYRIA
Census Blockgroup	2
Census Block	2011
Census Tract	70500

Owner

Source: Lorain County records · APN 06-24-069-102-006

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	438 ADAMS ST, ELYRIA, OH 44035-3311
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 22, 2001
Deed Sale	Aug 22, 2001
Deed Doc Number	772565
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 16, 2026
Property Address	438 ADAMS ST, ELYRIA, OH 44035-3311
Document Number	0000103997
Instrument Date	Jun 26, 2026
Instrument	2026103997
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$27,068.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	438 ADAMS ST, ELYRIA, OH 44035-3311

Mortgage

Document Number	0000103998,
Date	Jul 16, 2026
Instrument	2026103998

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 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	$1,637.00	$34,600 (+0.01%) Land $5,760 Building $28,840	$98,850 (-) Land $16,450 Building $82,400
2024	$1,637.00 (+34.62%)	$34,598 (+54.94%) Land $5,758 Building $28,840	$98,850 (+54.94%) Land $16,450 Building $82,400
2023	$1,216.00 (+0.33%)	$22,330 (-) Land $3,192 Building $19,138	$63,800 (-) Land $9,120 Building $54,680
2022	$1,212.00	$22,330 Land $3,190 Building $19,140
2021			$63,800 Land $9,120 Building $54,680

Flood & Wildfire

438 Adams St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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