448 Stafford Dr, Elyria, OH 44035 Property Records

Lorain County property record for 448 Stafford Dr, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1962
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (May 2017)
Tax Bill	$3,241 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-030-102-005`

Property Details

APN / Parcel Number

Primary APN	`06-25-030-102-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
1st Floor Area	748 sqft
2nd Floor Area	728 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	161 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	364 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	584 sqft
Deck Area	216 sqft
Patio Area	132 sqft
Canopy	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	448 STAFFORD DR
City	ELYRIA
State	OH
Zip	44035-2954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ESTATES 2 75 X 194
Legal Subdivision	COUNTRY CLUB EST 2 FRNT
Legal Tract	25
Legal Block	102
Legal Lot Number	118
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1002
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	2 Individual Names on Record
Mailing Address	448 STAFFORD DR, ELYRIA, OH 44035-2954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
May 18, 2017	Grant Deed, Transfer · FHA Mortgage COMMONWEALTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2017 · Amount on Record
Deed Sale	May 18, 2017 · Amount on Record
Prior Sale	Aug 29, 2016 · Amount on Record
Deed Document Number	2017002406
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	448 STAFFORD DR, ELYRIA, OH 44035-2954
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 STAFFORD DR, ELYRIA, OH 44035-2954

Mortgage

Document Number	0000937617
Date	Dec 5, 2023
Instrument	2023-0937617

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Oct 2, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	448 STAFFORD DR, ELYRIA, OH 44035-2954
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	ACUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210811214
Date	Apr 6, 2021
Instrument	2021-0811214

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	May 18, 2017
Property Address	448 STAFFORD DR, ELYRIA, OH 44035-2954
Document Number	0000629984
Instrument Date	May 17, 2017
Instrument	629984
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$568.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	448 STAFFORD DR ELYRIA OH 440352954, ELYRIA, OH 44035-2954

Mortgage

Document Number	629985
Date	May 18, 2017
Instrument	629985

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2047

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	$3,241.00	$68,320 (%) Land $13,360 Building $54,960	$195,200 (-) Land $38,170 Building $157,030
2024	$3,241.00 (+8.21%)	$68,321 (+26.01%) Land $13,360 Building $54,961	$195,200 (+26.01%) Land $38,170 Building $157,030
2023	$2,995.00 (+0.64%)	$54,219 (%) Land $14,693 Building $39,526	$154,910 (-) Land $41,980 Building $112,930
2022	$2,976.00	$54,220 Land $14,690 Building $39,530
2021			$154,910 Land $41,980 Building $112,930

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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.

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