Lorain County property record for 646 Oakdale Cir, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,796 sqft · built 2000 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,000 (Dec 2022) |
| Tax Bill | $3,765 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-102-403 |
| Primary APN | 10-00-005-102-403 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,796 sqft Living Area |
| 1st Floor Area | 1,013 sqft |
| 2nd Floor Area | 783 sqft |
| Family Room | Family Room |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 298 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 646 OAKDALE CIR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-0905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST HAMPTON SUB #7 70 X 125 |
| Legal Subdivision | EAST HAMPTON SUBDIVISION #7 |
| Legal Block | 102 |
| Legal Lot Number | 126 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 71202 |
646 Oakdale Cir is owned and occupied by an individual who bought it in December 2022.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 OAKDALE CIR, ELYRIA, OH 44035-0905 |
| 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 |
|---|---|
| Dec 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage DOLLAR BANK FSB |
| Mar 23, 2018 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK/WV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2022 · Amount on File |
| Deed Sale | Dec 5, 2022 · Amount on File |
| Prior Sale | Jul 25, 2000 · Amount on File |
| Deed Document Number | 2022007562 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 5, 2022 |
| Property Address | 646 OAKDALE CIR, ELYRIA, OH 44035-0905 |
| Document Number | 0000900339 |
| Instrument Date | Nov 29, 2022 |
| Instrument | 2022-0900339 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2022 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN TITLE |
| 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 |
|---|---|
| Address | 646 OAKDALE CIR, ELYRIA, OH 44035-0905 |
| Document Number | 0000900340 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 2022-0900340 |
| Name | DOLLAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 646 OAKDALE CIR, ELYRIA, OH 44035-0905 |
| Document Number | 0000667464 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 646 OAKDALE CIR ELYRIA OH 440350905, ELYRIA, OH 44035-0905 |
| Document Number | 0000667464 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 667464 |
| Name | HUNTINGTON NAT'L BK/WV |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 646 Oakdale Cir was $3,765.
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 | $3,765.00 | $91,280 (%) Land $16,990 Building $74,290 | $260,810 (-) Land $48,550 Building $212,260 |
| 2024 | $3,765.00 (+20.79%) | $91,284 (+35.13%) Land $16,993 Building $74,291 | $260,810 (+35.13%) Land $48,550 Building $212,260 |
| 2023 | $3,117.00 (+0.29%) | $67,554 (-0.01%) Land $15,215 Building $52,339 | $193,010 Land $43,470 Building $149,540 |
| 2022 | $3,108.00 | $67,560 Land $15,220 Building $52,340 | |
| 2021 | $193,010 Land $43,470 Building $149,540 |
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.
FEMA maps place 646 Oakdale Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 646 Oakdale Cir has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ELYRIA WATER DEPARTMENT serves 68,000 people · EPA ID OH4700411 |
|---|---|
| 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, 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 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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