Lorain County property record for 644 Cedar Wood Trl, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,480 sqft · built 2022 |
| Owner | Individual Name on File |
| Last Sale | $383,430 (Nov 2022) |
| Tax Bill | $6,188 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-007-102-073 |
| Primary APN | 10-00-007-102-073 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,480 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Porch | Open Porch |
| Porch Area | 25 sqft |
| Deck Area | 503 sqft |
| Cooling System | Central |
|---|
| Street Address | 644 CEDAR WOOD TRL |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST MEADOWS SUB 1 56.39 X 135.43 |
| Legal Lot Number | 57 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 71300 |
644 Cedar Wood Trl is owned and occupied by an individual who bought it in November 2022.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 644 CEDAR WOOD TRL, ELYRIA, OH 44035-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 24, 2022 | Deed of Trust, Mortgage · Line of Credit OCEANFIRST BANK |
| Nov 21, 2022 | Limited Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2022 · Amount on File |
| Deed Sale | Nov 21, 2022 · Amount on File |
| Deed Document Number | 2022007330 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 644 CEDAR WOOD TRL, ELYRIA, OH 44035-7803 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | MILESTONE TITLE AGENCY LIMITED, MILLENIUM TITLE AGENCY LTD |
| Name | Verified Name |
|---|
| Document Number | 0000859825 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022-0859825 |
| Name | OCEANFIRST BANK |
|---|---|
| Type | Bank |
| Address | TOMS RIVER, NJ 08753 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 21, 2022 |
| Property Address | 644 CEDAR WOOD TRL, ELYRIA, OH 44035-7803 |
| Document Number | 0000899088 |
| Map Reference | VOL 111 PG 1-4 |
| Instrument Date | Jun 1, 2022 |
| Instrument | 2022-0899088 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 644 CEDARWOOD TRL, ELYRIA, OH 44035-7803 |
| Document Number | 0000899089 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 2022-0899089 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 644 Cedar Wood Trl was $6,188.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,188.00 | $150,020 (%) Land $29,750 Building $120,270 | $428,630 (-) Land $85,000 Building $343,630 |
| 2024 | $6,188.00 (+0.67%) | $150,021 (+12.79%) Land $29,750 Building $120,271 | $428,630 (+12.79%) Land $85,000 Building $343,630 |
| 2023 | $6,147.00 (+489.92%) | $133,014 (+533.4%) Land $26,250 Building $106,764 | $380,040 Land $75,000 Building $305,040 |
| 2022 | $1,042.00 | $21,000 Land $21,000 | |
| 2021 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 644 Cedar Wood Trl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 644 Cedar Wood Trl is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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