521 Metcalf Rd, Elyria, OH 44035 Property Records

Lorain County property record for 521 Metcalf Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,274 sqft · built 1952
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Jul 2020)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-031-113-005`

Property Details

APN / Parcel Number

Primary APN	`06-25-031-113-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
1st Floor Area	736 sqft
2nd Floor Area	538 sqft
Upper Floors Area	538 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	16 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	521 METCALF RD
City	ELYRIA
State	OH
Zip	44035-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY 50 X 150
Legal Subdivision	SPRING VALLEY SUBDIVISION NO 4
Legal Tract	25
Legal Block	113
Legal Lot Number	476
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3016
Census Tract	70101

Owner

Source: Lorain County records · APN 06-25-031-113-005

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	Individual Name on File
Mailing Address	521 METCALF RD, ELYRIA, OH 44035-2923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Sep 12, 2012 · Amount on Record
Deed Document Number	2020004325
Record Updated	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 31, 2020
Property Address	521 METCALF RD, ELYRIA, OH 44035-2923
Document Number	0000772007
Instrument Date	Jul 30, 2020
Instrument	772007
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 METCALF RD ELYRIA OH 440352923, ELYRIA, OH 44035-2923

Mortgage

Document Number	772008
Date	Jul 31, 2020
Instrument	772008

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

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

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	$2,144.00	$45,540 (+%) Land $9,450 Building $36,090	$130,110 (-) Land $27,000 Building $103,110
2024	$2,144.00 (+4.89%)	$45,539 (+21.37%) Land $9,450 Building $36,089	$130,110 (+21.37%) Land $27,000 Building $103,110
2023	$2,044.00 (+0.34%)	$37,520 (-) Land $7,490 Building $30,030	$107,200 (-) Land $21,400 Building $85,800
2022	$2,037.00	$37,520 Land $7,490 Building $30,030
2021			$107,200 Land $21,400 Building $85,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

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.

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

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 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.