520 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 520 Garford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,613 sqft · built 1952
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$114,840 (Sep 2019)
Tax Bill	$3,740 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-072-102-023`

Property Details

APN / Parcel Number

Primary APN	`06-25-072-102-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,613 sqft Living Area
1st Floor Area	1,613 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Wood Siding
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	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	360 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	520 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-6410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OL 72
Legal Subdivision	EAST/BLACK RIVER
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

Owner

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	Individual Name on Record
Mailing Address	520 GARFORD AVE, ELYRIA, OH 44035-6410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage DOLLAR BANK FSB
Sep 20, 2019	Grant Deed, Transfer MILLER HOME TITLE
Nov 14, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Jun 30, 2008 · Amount on Record
Deed Document Number	2019005770
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	520 GARFORD AVE, ELYRIA, OH 44035-6410
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	MILLER HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000731314
Date	Sep 23, 2019
Instrument	2019-0731314

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	CANTON, OH 44711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 20, 2019
Property Address	520 GARFORD AVE, ELYRIA, OH 44035-6410
Document Number	0000731172
Instrument Date	Sep 18, 2019
Instrument	731172
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	MILLER HOME TITLE

Transaction

Amount	Amount Recorded
Tax	$459.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 GARFORD AVE ELYRIA OH 440356410, ELYRIA, OH 44035-6410

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LORAIN OH
Recording Date	Nov 14, 2018
Property Address	520 GARFORD AVE, ELYRIA, OH 44035-6410
Document Number	0000694939
Instrument Date	Oct 18, 2018
Instrument	694939
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 GARFORD AVE ELYRIA OH 440356410, ELYRIA, OH 44035-6410

Tax Assessment & Valuation

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	$3,740.00	$75,000 (%) Land $9,530 Building $65,470	$214,290 (-) Land $27,220 Building $187,070
2024	$3,740.00 (+35.41%)	$75,002 (+53.82%) Land $9,527 Building $65,475	$214,290 (+53.82%) Land $27,220 Building $187,070
2023	$2,762.00 (+0.62%)	$48,759 (%) Land $9,758 Building $39,001	$139,310 (-) Land $27,880 Building $111,430
2022	$2,745.00	$48,760 Land $9,760 Building $39,000
2021			$139,310 Land $27,880 Building $111,430

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
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	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 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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