Lorain County property record for 638 Cambridge Ave, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,073 sqft · built 1943 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,309 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-006-103-012 |
| Primary APN | 06-25-006-103-012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,073 sqft Living Area |
| 1st Floor Area | 725 sqft |
| Basement Area | 725 sqft |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 133 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 638 CAMBRIDGE AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E BROAD ST HTS 45.00 X 120.00 |
| Legal Subdivision | E BROAD ST HTS |
| Legal Tract | 25 |
| Legal Block | 103 |
| Legal Lot Number | 59-61 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 71201 |
Source: Lorain County records · APN 06-25-006-103-012
Assessment roll updated May 16, 2025 · Last verified June 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 | 638 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jul 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 25, 2016 |
| Deed Sale | Apr 25, 2016 |
| Prior Sale | Aug 20, 1999 · Amount on Record |
| Deed Document Number | 2016583180 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 638 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000901568 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 2022-0901568 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 09, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 638 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000769707 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 638 CAMBRIDGE AVE ELYRIA OH 440356530, ELYRIA, OH 44035-6530 |
| Document Number | 0000769707 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 769707 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2050 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified June 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 | $2,309.00 Homeowner's exemption | $49,050 (+0.02%) Land $8,550 Building $40,500 | $140,120 (-) Land $24,420 Building $115,700 |
| 2024 | $2,309.00 (+26.45%) | $49,042 (+46.31%) Land $8,547 Building $40,495 | $140,120 (+46.31%) Land $24,420 Building $115,700 |
| 2023 | $1,826.00 (+0.38%) | $33,520 (-) Land $6,906 Building $26,614 | $95,770 (-) Land $19,730 Building $76,040 |
| 2022 | $1,819.00 | $33,520 Land $6,910 Building $26,610 | |
| 2021 | $95,770 Land $19,730 Building $76,040 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 566 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Frontier.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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