Lorain County property record for 657 Oakdale Cir, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,987 sqft · built 2001 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,900 (Aug 2017) |
| Tax Bill | $3,677 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2026 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-102-400 |
| Primary APN | 10-00-005-102-400 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,987 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,034 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 226 sqft |
| Patio Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 657 OAKDALE CIR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-0906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST HAMPTON SUB #7 70.35 X 128.85 ANNEXED 7/2/98 FROM #22 |
| Legal Subdivision | EAST HAMPTON SUB 7 |
| Legal Block | 102 |
| Legal Lot Number | 129 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 71202 |
657 Oakdale Cir is owned and occupied by an individual who bought it in August 2017.
Source: Lorain County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| 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 |
|---|---|
| Sep 11, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jul 23, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 22, 2021 | Deed of Trust, Mortgage · Line of Credit JFQ LENDING INC |
| Apr 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC |
| Aug 23, 2019 | Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC |
| Jun 22, 2018 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Aug 25, 2017 | Warranty Deed, Transfer · FHA Mortgage LIBERTY HM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2017 · Amount on File |
| Deed Sale | Aug 25, 2017 · Amount on File |
| Prior Sale | Mar 16, 2001 · Amount on File |
| Deed Document Number | 2017642036 |
| Prior Transfer Date | Jan 3, 2011 |
| Prior Transfer Doc | 20110365095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 11, 2026 |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000111191 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 2026111191 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000111191, |
|---|---|
| Date | Sep 11, 2026 |
| Instrument | 2026111191 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 23, 2026 |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000104609 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 2026104609 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000104609, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 2026104609 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 10, 2036 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210840510 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2021-0840510 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000756592 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR ELYRIA OH 440350906, ELYRIA, OH 44035-0906 |
| Document Number | 0000756592 |
|---|---|
| Date | Apr 16, 2020 |
| Instrument | 756592 |
| Name | JFQ LNDG INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 15, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000728124 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR ELYRIA OH 440350906, ELYRIA, OH 44035-0906 |
| Document Number | 0000728124 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 728124 |
| Name | JFQ LNDG INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Aug 28, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000678067 |
| Instrument Date | Jun 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR ELYRIA OH 440350906, ELYRIA, OH 44035-0906 |
| Document Number | 0000678067 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 678067 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 25, 2017 |
| Property Address | 657 OAKDALE CIR, ELYRIA, OH 44035-0906 |
| Document Number | 0000642036 |
| Instrument Date | Aug 24, 2017 |
| Instrument | 642036 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $719.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 657 OAKDALE CIR ELYRIA OH 440350906, ELYRIA, OH 44035-0906 |
| Document Number | 642037 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 642037 |
| Name | LIBERTY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 24, 2047 |
The 2025 property tax bill for 657 Oakdale Cir was $3,677 with a homeowner's exemption, down 2.5% from the year before.
Source: Lorain County assessment roll, as of May 16, 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 | $3,677.00 (-2.54%) Homeowner's exemption | $88,360 (+%) Land $16,990 Building $71,370 | $252,450 (-) Land $48,550 Building $203,900 |
| 2024 | $3,773.00 (+13.41%) | $88,358 (+23.77%) Land $16,993 Building $71,365 | $252,450 (+23.77%) Land $48,550 Building $203,900 |
| 2023 | $3,327.00 (+1.31%) | $71,387 (%) Land $15,215 Building $56,172 | $203,960 Land $43,470 Building $160,490 |
| 2022 | $3,284.00 | $71,390 Land $15,220 Building $56,170 | |
| 2021 | $203,960 Land $43,470 Building $160,490 |
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 657 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 657 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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