Lorain County property record for 438 Xavier St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,552 sqft Living Area |
| Lot Size | 10,454 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $188,000 (2023) |
| Tax Bill | $3,739.00 (2025) |
| Primary APN | 10-00-005-101-104 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,552 sqft Living Area |
| 1st Floor | 992 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 10,454 sqft (0.239 acres) |
| Depth X Width | 150 ft x 70 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 280 sqft Garage |
| Deck Area | 200 sqft Deck |
| Patio Area | 160 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 438 XAVIER ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8261 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HEIGHTS #5 70 X 150 |
| Legal Subdivision | CHESTNUT RIDGE HEIGHTS SUBDIVISION #5 |
| Legal Block | 101 |
| Legal Lot Number | 271 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 71202 |
Source: Lorain County records · APN 10-00-005-101-104
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 438 XAVIER ST, ELYRIA, OH 44035-8261 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jul 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on Record |
| Deed Sale | Jul 28, 2023 · Amount on Record |
| Prior Sale | May 02, 2016 · Amount on Record |
| Deed Doc Number | 2023003949 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 438 XAVIER ST, ELYRIA, OH 44035-8261 |
| Transaction Type | Mortgage |
| Record Updated | Jul 01, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000883603 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 2022-0883603 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 28, 2023 |
| Property Address | 438 XAVIER ST, ELYRIA, OH 44035-8261 |
| Document Number | 0000923861 |
| Map Reference | VOL 38 PG 7-9 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 2023-0923861 |
| Transaction Type | Transfer |
| Record Updated | Aug 08, 2023 |
| 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 Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 XAVIER ST, ELYRIA, OH 44035-8261 |
| Document Number | 0000923964 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023-0923964 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
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 | $3,739.00 | $74,970 (+0.01%) Land $19,420 Building $55,550 | $214,180 (-) Land $55,480 Building $158,700 |
| 2024 | $3,739.00 (+39.72%) | $74,963 (+52.6%) Land $19,418 Building $55,545 | $214,180 (+52.6%) Land $55,480 Building $158,700 |
| 2023 | $2,676.00 (+0.38%) | $49,123 (-0.01%) Land $14,165 Building $34,958 | $140,350 (-) Land $40,470 Building $99,880 |
| 2022 | $2,666.00 | $49,130 Land $14,170 Building $34,960 | |
| 2021 | $140,350 Land $40,470 Building $99,880 |
438 Xavier St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 2nd percentile of exposed land nationally · 10th in Ohio |
|---|---|
| Wildfire Likelihood | Low — 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.
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