495 Cleveland St, Elyria, OH 44035 Property Records

Lorain County property record for 495 Cleveland St, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,216 sqft · built 1900
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Jan 2021)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-014-102-003`

Property Details

APN / Parcel Number

Primary APN	`06-25-014-102-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,216 sqft Living Area
1st Floor Area	644 sqft
2nd Floor Area	572 sqft
Upper Floors Area	458 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	150 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	495 CLEVELAND ST
City	ELYRIA
State	OH
Zip	44035-4061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEEBE 3 45.05 X 158
Legal Subdivision	BEEBE 3 FRNT
Legal Tract	25
Legal Block	102
Legal Lot Number	38
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1013
Census Tract	70700

Owner

495 Cleveland St is owned and occupied by an individual who bought it in January 2021.

Source: Lorain County records, as of March 20, 2026

Owner of Record	Individual Name on File
Mailing Address	495 CLEVELAND ST, ELYRIA, OH 44035-4061
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC
Aug 15, 2018	Warranty Deed, Transfer OLD REPUBLIC TITLE
Jul 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2021 · Amount on File
Deed Sale	Jan 19, 2021 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	2021000303
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 19, 2021
Property Address	495 CLEVELAND ST, ELYRIA, OH 44035-4061
Document Number	0000798806
Map Reference	VOL 9 PG 32
Instrument Date	Jan 19, 2021
Instrument	2021-0798806
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	EXAMCO TITLE SERVICES

Transaction

Amount	Amount on Record
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	495 CLEVELAND ST, ELYRIA, OH 44035-4061
Investor	Possibly a Property Investor

Mortgage

Document Number	0000798807
Date	Jan 19, 2021
Instrument	2021-0798807

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 15, 2018
Property Address	495 CLEVELAND ST, ELYRIA, OH 44035-4061
Document Number	0000683701
Instrument Date	Aug 14, 2018
Instrument	683701
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$112.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 CLEVELAND ST ELYRIA OH 440354061, ELYRIA, OH 44035-4061

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 24, 2018
Property Address	495 CLEVELAND ST, ELYRIA, OH 44035-4061
Document Number	0000680928
Instrument Date	Jul 24, 2018
Instrument	680928
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6320 ORCHARD HILL BLVD LORAIN OH 440533861, LORAIN, OH 44053-3861

Tax Assessment & Valuation

The 2025 property tax bill for 495 Cleveland St was $2,036.

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	$2,036.00	$43,250 (-0.01%) Land $10,460 Building $32,790	$123,580 (-) Land $29,890 Building $93,690
2024	$2,036.00 (+60.57%)	$43,254 (+85.86%) Land $10,462 Building $32,792	$123,580 (+85.86%) Land $29,890 Building $93,690
2023	$1,268.00 (+0.4%)	$23,272 (+0.01%) Land $7,441 Building $15,831	$66,490 Land $21,260 Building $45,230
2022	$1,263.00	$23,270 Land $7,440 Building $15,830
2021			$66,490 Land $21,260 Building $45,230

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

FEMA maps place 495 Cleveland St in Zone X, an area of minimal flood risk.

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

The area around 495 Cleveland St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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