521 Vermont Rd, Elyria, OH 44035 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,352 sqft · built 1952
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,000 (Aug 2014)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-25-032-115-009`

Property Details

APN / Parcel Number

Primary APN	`06-25-032-115-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	1,608 sqft
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	393 ft deep x 92 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	256 sqft
Patio Area	64 sqft
Canopy	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	521 VERMONT RD
City	ELYRIA
State	OH
Zip	44035-3638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20040018314
Legal Subdivision	EAST/BLACK RIVER
Legal Tract	25
Legal Block	115
Legal Lot Number	32
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	3
Census Block	3012
Census Tract	70101

Owner

Source: Lorain County records, as of September 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	521 VERMONT RD, ELYRIA, OH 44035-3638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Sep 7, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2014 · Amount on Record
Deed Sale	Aug 4, 2014 · Amount on Record
Prior Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	2014513963
Last Transfer Date	Aug 27, 2021
Transfer Doc	20210837951
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	521 VERMONT RD, ELYRIA, OH 44035-3638
Transaction Type	Mortgage
Record Updated	Apr 29, 2022
Title Company	OHIO FIRST LAND TITLE AGENCY LLC, OHIO FIRST LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000845923
Date	Oct 25, 2021
Instrument	2021-0845923

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 7, 2021
Property Address	521 VERMONT RD, ELYRIA, OH 44035-3638
Document Number	20210837951
Instrument Date	Aug 27, 2021
Instrument	2021-0837951
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	521 VERMONT RD, ELYRIA, OH 44035-3638

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	$2,981.00 (-0.47%) Homeowner's exemption	$63,280 (+0.01%) Land $16,150 Building $47,130	$180,780 (-) Land $46,130 Building $134,650
2024	$2,995.00 (+14.1%)	$63,273 (+31.43%) Land $16,146 Building $47,128	$180,780 (+31.43%) Land $46,130 Building $134,650
2023	$2,625.00 (+0.38%)	$48,143 (-0.01%) Land $12,796 Building $35,347	$137,550 (-) Land $36,560 Building $100,990
2022	$2,615.00	$48,150 Land $12,800 Building $35,350
2021			$137,550 Land $36,560 Building $100,990

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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