45190 Telegraph Rd, Elyria, OH 44035 Property Records

Lorain County property record for 45190 Telegraph Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,450 sqft · built 1978
Lot Size	6.78 acres (295,337 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (Feb 2023)
Tax Bill	$4,488 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-00-053-000-041`

Property Details

APN / Parcel Number

Primary APN	`05-00-053-000-041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,450 sqft Living Area
1st Floor Area	735 sqft
2nd Floor Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	295,337 sqft (6.78 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	225 sqft
Pole Barn	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	45190 TELEGRAPH RD
City	ELYRIA
State	OH
Zip	44035-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04-05-053A -008-00
Legal Subdivision	TERRACE BEACH ALLOTMENT
Legal Lot Number	9
Jurisdiction	LORAIN OH
Township / Civil Division	AMHERST
Census Block Group	2
Census Block	2011
Census Tract	57100

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 23, 2023	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
Jul 16, 2019	Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2023 · Amount on Record
Deed Sale	Feb 23, 2023 · Amount on Record
Prior Sale	Jul 16, 2019 · Amount on Record
Deed Document Number	2023000879
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234

Mortgage

Document Number	0000000735
Date	Jan 9, 2024
Instrument	2024-0000735

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 23, 2023
Property Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234
Document Number	0000907447
Instrument Date	Feb 20, 2023
Instrument	2023-0907447
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	INFINITE TITLE, INFINITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234

Mortgage

Document Number	0000907448
Date	Feb 23, 2023
Instrument	2023-0907448

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 16, 2019
Property Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234
Document Number	0000722231
Instrument Date	Jul 15, 2019
Instrument	2019-0722231
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45190 TELEGRAPH RD, ELYRIA, OH 44035-4234

Mortgage

Document Number	0000722232
Date	Jul 16, 2019
Instrument	2019-0722232

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Amherst Township
Unified School District	Amherst Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,488.00	$103,800 (+0.01%) Land $53,420 Building $50,380	$296,550 (-) Land $152,620 Building $143,930
2024	$4,488.00 (+22.66%)	$103,793 (+42.73%) Land $53,417 Building $50,376	$296,550 (+42.73%) Land $152,620 Building $143,930
2023	$3,659.00 (+4.1%)	$72,720 (-) Land $30,359 Building $42,361	$207,770 (-) Land $86,740 Building $121,030
2022	$3,515.00	$72,720 Land $30,360 Building $42,360
2021			$207,770 Land $86,740 Building $121,030

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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	AMHERST CITY PWS serves 11,797 people · EPA ID OH4700003
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Also Mapped Here	RURAL LORAIN CO. WATER A
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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