516 Metcalf Rd, Elyria, OH 44035 Property Records

Lorain County property record for 516 Metcalf Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,132 sqft · built 1953
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Apr 2020)
Tax Bill	$2,043 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-031-112-012`

Property Details

APN / Parcel Number

Primary APN	`06-25-031-112-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	1,372 sqft
1st Floor Area	1,132 sqft
Basement Area	768 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	516 METCALF RD
City	ELYRIA
State	OH
Zip	44035-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY 50 X 150
Legal Subdivision	SPRING VALLEY
Legal Tract	25
Legal Block	112
Legal Lot Number	441
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3002
Census Tract	70101

Owner

Source: Lorain County records, as of July 16, 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 Record
Mailing Address	516 METCALF RD, ELYRIA, OH 44035-2924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK
Apr 17, 2020	Warranty Deed, Transfer · Conventional with PMI UNION HM MTG CORP
Nov 2, 2018	Deed of Trust, Mortgage UNION HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Deed Document Number	2020756815
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jul 6, 2026
Property Address	516 METCALF RD, ELYRIA, OH 44035-2924
Document Number	0000102342
Instrument Date	Jun 25, 2026
Instrument	2026102342
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	ENTERPRISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 METCALF RD, ELYRIA, OH 44035-2924

Mortgage

Document Number	0000102342,
Date	Jul 6, 2026
Instrument	2026102342

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 17, 2020
Property Address	516 METCALF RD, ELYRIA, OH 44035-2924
Document Number	0000756815
Instrument Date	Apr 14, 2020
Instrument	756815
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 METCALF RD ELYRIA OH 440352924, ELYRIA, OH 44035-2924

Mortgage

Document Number	756816
Date	Apr 17, 2020
Instrument	756816

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	516 METCALF RD, ELYRIA, OH 44035-2924
Document Number	0000694158
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 23, 2018
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	516 METCALF RD ELYRIA OH 440352924, ELYRIA, OH 44035-2924

Mortgage

Document Number	0000694158
Date	Nov 7, 2018
Instrument	694158

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2048

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	$2,043.00 Homeowner's exemption	$43,380 (-0.01%) Land $9,450 Building $33,930	$123,950 (-) Land $27,000 Building $96,950
2024	$2,043.00 (+14.33%)	$43,383 (+32.26%) Land $9,450 Building $33,933	$123,950 (+32.26%) Land $27,000 Building $96,950
2023	$1,787.00 (+0.39%)	$32,802 (+0.01%) Land $7,490 Building $25,312	$93,720 (-) Land $21,400 Building $72,320
2022	$1,780.00	$32,800 Land $7,490 Building $25,310
2021			$93,720 Land $21,400 Building $72,320

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 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

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	None beyond 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 439 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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