Lorain County property record for 509 Metcalf Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1954 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Aug 2018) |
| Tax Bill | $1,876 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-031-113-002 |
| Primary APN | 06-25-031-113-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 180 sqft |
| Patio Area | 372 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 509 METCALF RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-2923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALEY 50 X 150 |
| Legal Subdivision | SPRING VALLEY SUBDIVISION #4 |
| Legal Tract | 25 |
| Legal Block | 113 |
| Legal Lot Number | 473 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 70101 |
Source: Lorain County records · APN 06-25-031-113-002
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 | 509 METCALF RD, ELYRIA, OH 44035-2923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 04, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Aug 24, 2018 | Warranty Deed, Transfer · Conventional with PMI CITIZENS BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on Record |
| Deed Sale | Aug 24, 2018 · Amount on Record |
| Prior Sale | Feb 25, 2000 · Amount on Record |
| Deed Document Number | 2018004882 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 509 METCALF RD, ELYRIA, OH 44035-2923 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 509 METCALF RD, ELYRIA, OH 44035-2923 |
| Document Number | 0000869578 |
|---|---|
| Date | Apr 04, 2022 |
| Instrument | 2022-0869578 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Feb 27, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 24, 2018 |
| Property Address | 509 METCALF RD, ELYRIA, OH 44035-2923 |
| Document Number | 0000685037 |
| Instrument Date | Aug 22, 2018 |
| Instrument | 685037 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2018 |
| Title Company | NORTHERN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 METCALF RD ELYRIA OH 440352923, ELYRIA, OH 44035-2923 |
| Document Number | 685038 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 685038 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 23, 2033 |
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 | $1,876.00 | $39,850 (-0.01%) Land $9,450 Building $30,400 | $113,870 (-) Land $27,000 Building $86,870 |
| 2024 | $1,876.00 (-4.63%) | $39,855 (+10.38%) Land $9,450 Building $30,405 | $113,870 (+10.38%) Land $27,000 Building $86,870 |
| 2023 | $1,967.00 (+0.36%) | $36,106 (-0.01%) Land $7,490 Building $28,616 | $103,160 (-) Land $21,400 Building $81,760 |
| 2022 | $1,960.00 | $36,110 Land $7,490 Building $28,620 | |
| 2021 | $103,160 Land $21,400 Building $81,760 |
Source: FEMA National Flood Hazard Layer, Lorain County (39093C), as of May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390930701013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2014 · rainfall accumulation |
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 439 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OH4700411, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELYRIA WATER DEPARTMENT serves 68,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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