515 Stafford Dr, Elyria, OH 44035 Property Records

Lorain County property record for 515 Stafford Dr, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,030 sqft · built 1963
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,900 (Aug 2023)
Tax Bill	$3,901 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-030-104-014`

Property Details

APN / Parcel Number

Primary APN	`06-25-030-104-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	885 sqft
Basement Area	540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	129 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	460 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	80 sqft
Patio Area	160 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	515 STAFFORD DR
City	ELYRIA
State	OH
Zip	44035-2955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ESTATE 75.00 X 132.00
Legal Subdivision	COUNTRY CLUB ESTATE
Legal Tract	25
Legal Block	104
Legal Lot Number	157
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1007
Census Tract	70101

Owner

Source: Lorain County records, as of June 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	Jun 9, 1997 · Amount on Record
Deed Document Number	2023924976
Prior Transfer Date	Jan 22, 2021
Prior Transfer Doc	0000799664
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000806678
Date	Mar 10, 2021
Instrument	2021-0806678

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Apr 14, 2026
Property Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Document Number	0000091791
Instrument Date	Apr 9, 2026
Instrument	202691791
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 STAFFORD DR, ELYRIA, OH 44035-2955

Mortgage

Document Number	0000091791,
Date	Apr 14, 2026
Instrument	202691791

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 8, 2023
Property Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Document Number	0000924976
Map Reference	VOL 22 PG 35
Instrument Date	Aug 4, 2023
Instrument	2023-0924976
Transaction Type	Transfer
Record Updated	Jun 2, 2026

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	515 STAFFORD DR, ELYRIA, OH 44035-2955

Mortgage

Document Number	0000924977
Date	Aug 8, 2023
Instrument	2023-0924977

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210806678
Date	Mar 10, 2021
Instrument	2021-0806678

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	515 STAFFORD DR, ELYRIA, OH 44035-2955
Document Number	0000615823
Instrument Date	Jan 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 STAFFORD DR ELYRIA OH 440352955, ELYRIA, OH 44035-2955

Mortgage

Document Number	0000615823
Date	Jan 19, 2017
Instrument	615823

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2032

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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	$3,901.00 (-0.48%)	$82,840 (-0.01%) Land $13,750 Building $69,090	$236,700 (-) Land $39,290 Building $197,410
2024	$3,920.00 (+24.09%)	$82,845 (+42.88%) Land $13,752 Building $69,094	$236,700 (+42.88%) Land $39,290 Building $197,410
2023	$3,159.00 (+0.35%)	$57,982 (+%) Land $15,131 Building $42,851	$165,660 (-) Land $43,230 Building $122,430
2022	$3,148.00	$57,980 Land $15,130 Building $42,850
2021			$165,660 Land $43,230 Building $122,430

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% 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	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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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