Lorain County property record for 45785 Telegraph Rd, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,558 sqft Living Area |
| Lot Size | 40,511 sqft (0.93 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $169,000 (2023) |
| Tax Bill | $2,558.00 (2025) |
| Primary APN | 05-00-048-000-055 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,558 sqft Living Area |
| 1st Floor | 1,265 sqft 1st Floor |
| 2nd Floor | 174 sqft 2nd Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 40,511 sqft (0.93 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 1,156 sqft Garage |
| Deck Area | 96 sqft Deck |
|---|---|
| Patio Area | 96 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 144 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 45785 TELEGRAPH RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-4223 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 04-05-048A -020-01 |
| Legal Subdivision | AMHERST |
| Legal Lot Number | 48 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | AMHERST |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 57100 |
Source: Lorain County records · APN 05-00-048-000-055
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 | 45785 TELEGRAPH RD, ELYRIA, OH 44035-4223 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Sep 06, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 06, 2023 · Amount on Record |
| Deed Sale | Sep 06, 2023 · Amount on Record |
| Prior Sale | Aug 10, 2016 · Amount on Record |
| Deed Doc Number | 2023004775 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 45785 TELEGRAPH RD, ELYRIA, OH 44035-4223 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | UNKNOWN, GUARDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 45785 TELEGRAPH RD, ELYRIA, OH 44035-4223 |
| Document Number | 0000072478 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 2025-0072478 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 06, 2023 |
| Property Address | 45785 TELEGRAPH RD, ELYRIA, OH 44035-4223 |
| Document Number | 0000928290 |
| Instrument Date | Sep 05, 2023 |
| Instrument | 2023-0928290 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2023 |
| Title Company | ERIEVIEW TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 45785 TELEGRAPH RD, ELYRIA, OH 44035-4223 |
| Document Number | 0000928291 |
|---|---|
| Date | Sep 06, 2023 |
| Instrument | 2023-0928291 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Number | 0000928292 |
|---|---|
| Date | Sep 06, 2023 |
| Instrument | 2023-0928292 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | ELYRIA, OH 44035 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Amherst Township |
| Unified School District | Amherst Exempted Village 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 | $2,558.00 | $59,790 (%) Land $18,660 Building $41,130 | $170,830 (-) Land $53,310 Building $117,520 |
| 2024 | $2,558.00 (+8.94%) | $59,791 (+31.2%) Land $18,659 Building $41,132 | $170,830 (+31.21%) Land $53,310 Building $117,520 |
| 2023 | $2,348.00 (+3.99%) | $45,571 (+%) Land $18,022 Building $27,549 | $130,200 (-) Land $51,490 Building $78,710 |
| 2022 | $2,258.00 | $45,570 Land $18,020 Building $27,550 | |
| 2021 | $130,200 Land $51,490 Building $78,710 |
45785 Telegraph Rd 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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 25th 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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