Lorain County property record for 631 Cambridge Ave, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1948 |
| Square Footage | 1,085 sqft Living Area |
| Lot Size | 5,663 sqft (0.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $80,000 (2019) |
| Tax Bill | $1,352.00 (2025) |
| Primary APN | 06-25-006-105-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,085 sqft Living Area |
| 1st Floor | 725 sqft 1st Floor |
| 2nd Floor | 348 sqft 2nd Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Brick Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 5,663 sqft (0.13 acres) |
| Depth X Width | 135 ft x 45 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 400 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 631 CAMBRIDGE AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6529 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | E BROAD ST HTS 45 X 135 |
| Legal Subdivision | EAST BROAD STREET HEIGHTS ALLOTMENT |
| Legal Tract | 25 |
| Legal Block | 105 |
| Legal Lot Number | 66 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2025 |
| Census Tract | 71201 |
Source: Lorain County records · APN 06-25-006-105-009
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 | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage CITY OF ELYRIA |
| Jul 28, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Sep 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Dec 02, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 02, 2019 · Amount on Record |
| Deed Sale | Dec 02, 2019 · Amount on Record |
| Prior Sale | May 12, 2010 |
| Deed Doc Number | 2019007405 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Document Number | 0000079056 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 2025-0079056 |
| Name | CITY OF ELYRIA |
|---|---|
| Type | Government Agency |
| Address | ELYRIA, OH 44035 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 06, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 20210830918 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021-0830918 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Feb 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Document Number | 0000778481 |
| Instrument Date | Sep 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 631 CAMBRIDGE AVE ELYRIA OH 440356529, ELYRIA, OH 44035-6529 |
| Document Number | 0000778481 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 778481 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 02, 2019 |
| Property Address | 631 CAMBRIDGE AVE, ELYRIA, OH 44035-6529 |
| Document Number | 0000740531 |
| Map Reference | VOL 10 PG 9 |
| Instrument Date | Nov 29, 2019 |
| Instrument | 2019-0740531 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 151, ELYRIA, OH 44036-0151 |
| Document Number | 0000740532 |
|---|---|
| Date | Dec 02, 2019 |
| Instrument | 2019-0740532 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 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 | $1,352.00 | $49,520 (-0.01%) Land $8,630 Building $40,890 | $141,500 (-) Land $24,670 Building $116,830 |
| 2024 | $1,352.00 (-12.94%) | $49,526 (+73.73%) Land $8,635 Building $40,891 | $141,500 (+73.73%) Land $24,670 Building $116,830 |
| 2023 | $1,553.00 (+0.39%) | $28,508 (-0.01%) Land $6,979 Building $21,529 | $81,450 (-) Land $19,940 Building $61,510 |
| 2022 | $1,547.00 | $28,510 Land $6,980 Building $21,530 | |
| 2021 | $81,450 Land $19,940 Building $61,510 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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