Lorain County property record for 644 Cambridge Ave, Elyria, OH 44035 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,073 sqft · built 1943 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Sep 2022) |
| Tax Bill | $2,037 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Apr 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-006-103-014 |
| Primary APN | 06-25-006-103-014 |
|---|
| 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 |
| Attic Area | 348 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,227 sqft (0.119 acres) |
| Lot Dimensions | 122 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 644 CAMBRIDGE AVE |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST BROAD ST HTS 45 X 120 |
| Legal Subdivision | EAST BROAD STREET HEIGHTS ALLOTMENT |
| 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 06-25-006-103-014
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 | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK |
| Apr 01, 2022 | Deed of Trust, Mortgage DOLLAR BANK FSB |
| Mar 23, 2022 | Deed of Trust, Mortgage DOLLAR BANK FSB |
| Sep 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 01, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on Record |
| Deed Sale | Sep 29, 2022 · Amount on Record |
| Prior Sale | Feb 01, 2019 · Amount on Record |
| Deed Document Number | 2022006231 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 29, 2022 |
| Property Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000893150 |
| Map Reference | VOL 10 PG 9 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 2022-0893150 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2022 |
| Title Company | PATRIOT TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000893151 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 2022-0893151 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000869455 |
|---|---|
| Date | Apr 01, 2022 |
| Instrument | 2022-0869455 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000867954 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 2022-0867954 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2021 |
| Name | Verified Name |
|---|---|
| Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 20200780504 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 2020-0780504 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Feb 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 01, 2019 |
| Property Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000703224 |
| Map Reference | VOL 10 PG 9 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 2019-0703224 |
| 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 by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 644 CAMBRIDGE AVE, ELYRIA, OH 44035-6530 |
| Document Number | 0000703225 |
|---|---|
| Date | Feb 01, 2019 |
| Instrument | 2019-0703225 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 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 | $2,037.00 | $43,270 (%) Land $8,190 Building $35,080 | $123,630 (-) Land $23,390 Building $100,240 |
| 2024 | $2,037.00 (+21.39%) | $43,271 (+40.45%) Land $8,187 Building $35,084 | $123,630 (+40.46%) Land $23,390 Building $100,240 |
| 2023 | $1,678.00 (-1.58%) | $30,808 (-0.01%) Land $6,612 Building $24,196 | $88,020 (-) Land $18,890 Building $69,130 |
| 2022 | $1,705.00 | $30,810 Land $6,610 Building $24,200 | |
| 2021 | $88,020 Land $18,890 Building $69,130 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | 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.
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.
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