546 Cambridge Ave, Elyria, OH 44035 Property Records

Lorain County property record for 546 Cambridge Ave, Elyria, OH 44035 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,073 sqft · built 1943
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jun 2023)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-006-102-008`

Property Details

APN / Parcel Number

Primary APN	`06-25-006-102-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,073 sqft Living Area
1st Floor Area	725 sqft
2nd Floor Area	348 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	546 CAMBRIDGE AVE
City	ELYRIA
State	OH
Zip	44035-6470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E BROAD ST HTS 40 X 130
Legal Subdivision	E BROAD ST HTS FRNT
Legal Tract	25
Legal Block	102
Legal Lot Number	26
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2010
Census Tract	71201

Owner

Source: Lorain County records · APN 06-25-006-102-008

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	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Warranty Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP
Apr 26, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 25, 2021	Warranty Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2023 · Amount on Record
Deed Sale	Jun 20, 2023 · Amount on Record
Prior Sale	Jun 25, 2021 · Amount on Record
Deed Document Number	2023003090
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 20, 2023
Property Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Document Number	0000919580
Map Reference	VOL 10 PG 9
Instrument Date	Jun 16, 2023
Instrument	2023-0919580
Transaction Type	Transfer
Record Updated	Jul 07, 2023
Title Company	INFINITE TITLE, INFINITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470

Mortgage

Document Number	0000919581
Date	Jun 20, 2023
Instrument	2023-0919581

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Transaction Type	Mortgage
Record Updated	May 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470

Mortgage

Document Number	0000872576
Date	Apr 26, 2022
Instrument	2022-0872576

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 01, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 25, 2021
Property Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Document Number	20210825371
Map Reference	VOL 10 PG 9
Instrument Date	Jun 21, 2021
Instrument	2021-0825371
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	ERIEVIEW TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Investor	Possibly a Property Investor

Mortgage

Document Number	20210825372
Date	Jun 25, 2021
Instrument	2021-0825372

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	546 CAMBRIDGE AVE, ELYRIA, OH 44035-6470
Document Number	0000688222
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 09, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	546 CAMBRIDGE AVE ELYRIA OH 440356470, ELYRIA, OH 44035-6470

Mortgage

Document Number	0000688222
Date	Sep 20, 2018
Instrument	688222

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Adjustable Rate

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	$2,086.00	$43,780 (+%) Land $7,520 Building $36,260	$125,080 (-) Land $21,480 Building $103,600
2024	$2,086.00 (+34.75%)	$43,778 (+54.04%) Land $7,518 Building $36,260	$125,080 (+54.04%) Land $21,480 Building $103,600
2023	$1,548.00 (-0.19%)	$28,420 (-) Land $6,076 Building $22,344	$81,200 (-) Land $17,360 Building $63,840
2022	$1,551.00	$28,420 Land $6,080 Building $22,340
2021			$81,200 Land $17,360 Building $63,840

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 566 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Uniti Group, Spectrum, Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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