Lorain County property record for 540 2nd St, Elyria, OH 44035 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,575 sqft Living Area |
| Lot Size | 4,356 sqft (0.1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $100,700 (2026) |
| Tax Bill | $1,204.00 (2024) |
| Primary APN | 06-26-057-000-038 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,575 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Basement Area | 615 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Multifamily Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 4,356 sqft (0.1 acres) |
| Depth X Width | 88 ft x 50 ft Depth x Width |
| Porch Area | 81 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 540 2ND ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-5351 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DAY SUB 53.85 X 107 |
| Legal Subdivision | DAY SUB |
| Legal Tract | 26 |
| Legal Lot Number | 32 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 4 |
| Census Block | 4020 |
| Census Tract | 97600 |
Source: Lorain County records · APN 06-26-057-000-038
Assessment roll updated May 16, 2025 · Last verified July 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 | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit STAR COMMUNITY CREDIT UNION |
| Feb 12, 2026 | Quit Claim Deed, Transfer Quitclaim Document |
| Feb 05, 2026 | Quit Claim Deed, Transfer Quitclaim Document |
| Jan 14, 2026 | Certificate of Transfer, Transfer |
| Oct 13, 2020 | Deed of Trust, Mortgage ROUNDPOINT MTG SVCNG |
| Jul 05, 2019 | Warranty Deed, Transfer · Veterans Administration Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 05, 2026 · Amount on Record |
| Deed Sale | Feb 05, 2026 · Amount on Record |
| Prior Sale | Jul 05, 2019 · Amount on Record |
| Deed Doc Number | 202684072 |
| Prior Transfer Date | Oct 01, 2014 |
| Prior Transfer Doc | 0000523744 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 24, 2026 |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000104774 |
| Instrument Date | Jul 06, 2026 |
| Instrument | 2026104774 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000104774, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 2026104774 |
| Name | STAR COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 12, 2026 |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000084748 |
| Map Reference | VOL 4 PG 25 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 2026-0084748 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 05, 2026 |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000084072 |
| Map Reference | VOL 4 PG 25 |
| Instrument Date | Feb 04, 2026 |
| Instrument | 2026-0084072 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Type | Certificate of Transfer |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 14, 2026 |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000081999 |
| Map Reference | VOL 4 PG 25 |
| Instrument Date | Jan 06, 2026 |
| Instrument | 2026-0081999 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 142 ERIE ST, ELYRIA, OH 44035-4906 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000784715 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 540 2ND ST ELYRIA OH 440355351, ELYRIA, OH 44035-5351 |
| Document Number | 0000784715 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 784715 |
| Name | ROUNDPOINT MTG SVCNG |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29715 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 05, 2019 |
| Property Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000720911 |
| Map Reference | VOL 4 PG 25 |
| Instrument Date | Jul 03, 2019 |
| Instrument | 2019-0720911 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 2ND ST, ELYRIA, OH 44035-5351 |
| Document Number | 0000720912 |
|---|---|
| Date | Jul 05, 2019 |
| Instrument | 2019-0720912 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
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 | $680.00 (-43.52%) Homeowner's exemption | $35,250 (+0.01%) Land $6,020 Building $29,230 | $100,700 (-) Land $17,200 Building $83,500 |
| 2024 | $1,204.00 (-13.63%) | $35,245 (+1.5%) Land $6,020 Building $29,225 | $100,700 (+1.5%) Land $17,200 Building $83,500 |
| 2023 | $1,394.00 (-1.27%) | $34,724 (+0.01%) Land $3,490 Building $31,234 | $99,210 (-) Land $9,970 Building $89,240 |
| 2022 | $1,412.00 | $34,720 Land $3,490 Building $31,230 | |
| 2021 | $99,210 Land $9,970 Building $89,240 |
540 2nd St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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