Lorain County property record for 644 Carol Ln, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,609 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $147,500 (2019) |
| Tax Bill | $2,778.00 (2025) |
Source: Lorain County records · APN 10-00-005-102-104
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 644 CAROL LN, ELYRIA, OH 44035-8209 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Dec 11, 2019 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOWARD HANNA MTG SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 11, 2019 · Amount on Record |
| Deed Sale | Dec 11, 2019 · Amount on Record |
| Prior Sale | Oct 28, 2003 · Amount on Record |
| Deed Doc Number | 2019007585 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 644 CAROL LN, ELYRIA, OH 44035-8209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 644 CAROL LN, ELYRIA, OH 44035-8209 |
| Document Number | 0000004362 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 2024-0004362 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 20, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 11, 2019 |
| Property Address | 644 CAROL LN, ELYRIA, OH 44035-8209 |
| Document Number | 0000741683 |
| Instrument Date | Dec 10, 2019 |
| Instrument | 741683 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $590.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 CAROL LN ELYRIA OH 440358209, ELYRIA, OH 44035-8209 |
| Document Number | 741684 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | 741684 |
| Name | HOWARD HANNA MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | MAYFIELD HEIGHTS, OH 44124 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 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 | Midview Local 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 | $2,778.00 | $58,990 (+%) Land $13,250 Building $45,740 | $168,540 (-) Land $37,860 Building $130,680 |
| 2024 | $2,778.00 (-7.09%) | $58,989 (+7.51%) Land $13,251 Building $45,738 | $168,540 (+7.51%) Land $37,860 Building $130,680 |
| 2023 | $2,990.00 (+0.37%) | $54,867 (-0.01%) Land $10,210 Building $44,657 | $156,760 (-) Land $29,170 Building $127,590 |
| 2022 | $2,979.00 | $54,870 Land $10,210 Building $44,660 | |
| 2021 | $156,760 Land $29,170 Building $127,590 |
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.
| Primary APN | 10-00-005-102-104 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,609 sqft Living Area |
| 1st Floor | 1,152 sqft 1st Floor |
| 2nd Floor | 457 sqft 2nd Floor |
| Attic Area | 457 sqft Attic |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 130 ft x 70 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Deck Area | 60 sqft Deck |
| Patio Area | 204 sqft Patio |
| Heating System | HVAC Heating |
|---|
| Street Address | 644 CAROL LN |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8209 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS SUB 3 70 X 129.88 |
| Legal Subdivision | CHESTNUT RIDGE HEIGHTS SUBDIVISION #3 |
| Legal Block | 102 |
| Legal Lot Number | 86 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 3 |
| Census Block | 3027 |
| Census Tract | 71202 |
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