Lorain County property record for 514 Garford Ave, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,383 sqft · built 1950 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $2,900 (2025) |
| Deeds & Mortgages | Oct 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-072-102-022 |
| Primary APN | 06-25-072-102-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,383 sqft Living Area |
| 1st Floor Area | 1,383 sqft |
| Attic Area | 583 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 181 sqft |
| Deck Area | 136 sqft |
| Patio Area | 112 sqft |
| Canopy | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 514 GARFORD AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .23 ACRE 70.00 X 140.00 TOD 12/15/11 2011-0395383 |
| Legal Subdivision | ELYRIA |
| Legal Tract | 25 |
| Legal Block | 102 |
| Legal Lot Number | 72 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 71100 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 514 GARFORD AVE, ELYRIA, OH 44035-6410 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 15, 2011 |
| Transfer Doc | 0000395382 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 514 GARFORD AVE, ELYRIA, OH 44035-6410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | RO RV LORAIN |
| Name | Verified Name |
|---|---|
| Address | 514 GARFORD AVE, ELYRIA, OH 44035-6410 |
| Document Number | 0000071825 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025-0071825 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,900.00 | $61,550 (+0.01%) Land $9,530 Building $52,020 | $175,840 (-) Land $27,220 Building $148,620 |
| 2024 | $2,900.00 (+1.51%) | $61,544 (+17.42%) Land $9,527 Building $52,017 | $175,840 (+17.42%) Land $27,220 Building $148,620 |
| 2023 | $2,857.00 (+0.39%) | $52,413 (-0.01%) Land $9,758 Building $42,655 | $149,750 (-) Land $27,880 Building $121,870 |
| 2022 | $2,846.00 | $52,420 Land $9,760 Building $42,660 | |
| 2021 | $149,750 Land $27,880 Building $121,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 632 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Verizon.
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