Lorain County property record for 445 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 | 1,805 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $135,000 (2018) |
| Tax Bill | $2,903.00 (2025) |
Source: Lorain County records · APN 10-00-005-101-094
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 XAVIER ST, ELYRIA, OH 44035-8266 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 06, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 06, 2018 · Amount on Record |
| Deed Sale | Mar 06, 2018 · Amount on Record |
| Prior Sale | Sep 16, 2011 · Amount on Record |
| Deed Doc Number | 2018000927 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 445 XAVIER ST, ELYRIA, OH 44035-8266 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000872448 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2022-0872448 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 06, 2018 |
| Property Address | 445 XAVIER ST, ELYRIA, OH 44035-8266 |
| Document Number | 0000663707 |
| Instrument Date | Mar 05, 2018 |
| Instrument | 663707 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Title Company | OPTIMA LENDERS SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 445 XAVIER ST ELYRIA OH 440358266, ELYRIA, OH 44035-8266 |
| Document Number | 663708 |
|---|---|
| Date | Mar 06, 2018 |
| Instrument | 663708 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 05, 2048 |
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 | $2,903.00 | $61,640 (-0.01%) Land $17,840 Building $43,800 | $176,130 (-) Land $50,980 Building $125,150 |
| 2024 | $2,903.00 (+9.18%) | $61,646 (+26.29%) Land $17,843 Building $43,803 | $176,130 (+26.29%) Land $50,980 Building $125,150 |
| 2023 | $2,659.00 (+0.34%) | $48,812 (-0.02%) Land $13,017 Building $35,795 | $139,460 (-) Land $37,190 Building $102,270 |
| 2022 | $2,650.00 | $48,820 Land $13,020 Building $35,800 | |
| 2021 | $139,460 Land $37,190 Building $102,270 |
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 2% of the US · above 10% 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 | 10-00-005-101-094 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,805 sqft Living Area |
| 1st Floor | 1,344 sqft 1st Floor |
| 2nd Floor | 461 sqft 2nd Floor |
| Attic Area | 461 sqft Attic |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 125 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 480 sqft Garage |
| Patio Area | 192 sqft Patio |
| Heating System | HVAC Heating |
|---|
| Street Address | 445 XAVIER ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8266 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS #5 70 X 125 |
| Legal Subdivision | CHESTNUT RIDGE HEIGHTS SUBDIVISION #5 |
| Legal Block | 101 |
| Legal Lot Number | 261 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 71202 |
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