Lorain County property record for 440 Carol Ln, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,424 sqft · built 1982 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $362,000 (Mar 2017) |
| Tax Bill | $2,913 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-101-084 |
| Primary APN | 10-00-005-101-084 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| 1st Floor Area | 944 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 238 sqft |
| Patio Area | 238 sqft |
| Heating System | HVAC |
|---|
| Street Address | 440 CAROL LN |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS SUB #5 70 X 125 |
| Legal Subdivision | CHESTNUT RIDGE HEIGHTS SUBDIVISION #5 |
| Legal Block | 101 |
| Legal Lot Number | 251 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 71202 |
Source: Lorain County records · APN 10-00-005-101-084
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 | 440 CAROL LN, ELYRIA, OH 44035-8267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 17, 2020 | Warranty Deed, Transfer QUICKEN LNS |
| Mar 03, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 03, 2017 · Amount on Record |
| Deed Sale | Mar 03, 2017 · Amount on Record |
| Prior Sale | Mar 03, 2017 · Amount on Record |
| Deed Document Number | 0000621000 |
| Last Transfer Date | Dec 17, 2020 |
| Transfer Doc | 0000794159 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 440 CAROL LN, ELYRIA, OH 44035-8267 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 440 CAROL LN, ELYRIA, OH 44035-8267 |
| Document Number | 0000909869 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 2023-0909869 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 17, 2020 |
| Property Address | 440 CAROL LN, ELYRIA, OH 44035-8267 |
| Document Number | 0000794159 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 794159 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2021 |
| Title Company | CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 CAROL LN ELYRIA OH 440358267, ELYRIA, OH 44035-8267 |
| Document Number | 794160 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 794160 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 03, 2017 |
| Property Address | 440 CAROL LN, ELYRIA, OH 44035-8267 |
| Document Number | 0000621000 |
| Map Reference | PB 38 PG 7 |
| Instrument Date | Mar 02, 2017 |
| Instrument | 2017-0621000 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,448.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000621001 |
|---|---|
| Date | Mar 03, 2017 |
| Instrument | 2017-0621001 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,913.00 | $61,860 (%) Land $17,840 Building $44,020 | $176,750 (-) Land $50,980 Building $125,770 |
| 2024 | $2,913.00 (+20.57%) | $61,863 (+39.52%) Land $17,843 Building $44,020 | $176,750 (+39.52%) Land $50,980 Building $125,770 |
| 2023 | $2,416.00 (+0.37%) | $44,339 (%) Land $13,017 Building $31,322 | $126,680 (-) Land $37,190 Building $89,490 |
| 2022 | $2,407.00 | $44,340 Land $13,020 Building $31,320 | |
| 2021 | $126,680 Land $37,190 Building $89,490 |
Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 2 (2006–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2014 · other causes |
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Uniti Group DSL · Fiber in parts of the area | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 518 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELYRIA WATER DEPARTMENT serves 68,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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