700 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 700 Garford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,534 sqft · built 1951
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jul 2023)
Tax Bill	$3,573 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-005-113-006`

Property Details

APN / Parcel Number

Primary APN	`06-25-005-113-006`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,534 sqft Living Area
1st Floor Area	1,120 sqft
2nd Floor Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	140 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	560 sqft
Patio Area	100 sqft
Balcony	Balcony
Balcony Area	168 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	700 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-6649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERIFF SALE 06CV148077
Legal Subdivision	EAST OF BLACK RIVER
Legal Tract	25
Legal Block	113
Legal Lot Number	5
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2007
Census Tract	71100

Owner

700 Garford Ave is owned and occupied by an individual who bought it in July 2023.

Source: Lorain County records, as of March 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 14, 2023	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MIDWEST MTG
Sep 7, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Aug 18, 2017	Warranty Deed, Transfer
Jun 28, 2017	Grant Deed, Transfer · FHA Mortgage AMERICAN MIDWEST MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Aug 16, 2017 · Amount on File
Deed Document Number	2023003647
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 GARFORD AVE, ELYRIA, OH 44035-6649

Mortgage

Document Number	0000899070
Date	Nov 21, 2022
Instrument	2022-0899070

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 14, 2023
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Document Number	0000922355
Instrument Date	Jul 14, 2023
Instrument	2023-0922355
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	ENDEAVOR TITLE LLC, ENDEAVOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 GARFORD AVE, ELYRIA, OH 44035-6649

Mortgage

Document Number	0000922356
Date	Jul 14, 2023
Instrument	2023-0922356

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Document Number	0000779285
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	700 GARFORD AVE ELYRIA OH 440356649, ELYRIA, OH 44035-6649

Mortgage

Document Number	0000779285
Date	Sep 18, 2020
Instrument	779285

Lender

Name	AMERICAN MIDWEST MTG
Type	Mortgage Company
Address	PARMA HEIGHTS, OH 44130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 17, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Document Number	0000731301
Instrument Date	Sep 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	700 GARFORD AVE ELYRIA OH 440356649, ELYRIA, OH 44035-6649

Mortgage

Document Number	0000731301
Date	Sep 23, 2019
Instrument	731301

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 18, 2017
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Document Number	0000640778
Instrument Date	Jun 27, 2017
Instrument	640778
Transaction Type	Transfer
Record Updated	Nov 13, 2017

Transaction

Amount	Amount on Record
Tax	$218.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	700 GARFORD AVE ELYRIA OH 440356649, ELYRIA, OH 44035-6649

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 28, 2017
Property Address	700 GARFORD AVE, ELYRIA, OH 44035-6649
Document Number	0000634865
Instrument Date	Jun 27, 2017
Instrument	634865
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	AMERICAN PATRIOT TITLE AGENCY, AMERICAN PATRIOT TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	700 GARFORD AVE ELYRIA OH 440356649, ELYRIA, OH 44035-6649

Mortgage

Document Number	634866
Date	Jun 28, 2017
Instrument	634866

Lender

Name	AMERICAN MIDWEST MTG CORP
Address	PARMA HEIGHTS, OH 44130

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 700 Garford Ave was $3,573.

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Elyria City
Unified School District	Elyria City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,573.00	$75,370 (+0.01%) Land $9,370 Building $66,000	$215,320 (-) Land $26,760 Building $188,560
2024	$3,573.00 (+6.88%)	$75,362 (+22.83%) Land $9,366 Building $65,996	$215,320 (+22.83%) Land $26,760 Building $188,560
2023	$3,343.00 (-0.59%)	$61,356 (+0.01%) Land $9,594 Building $51,762	$175,300 Land $27,410 Building $147,890
2022	$3,363.00	$61,350 Land $9,590 Building $51,760
2021			$175,300 Land $27,410 Building $147,890

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.

Flood

FEMA maps place 700 Garford Ave 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.

Wildfire

Wildfire risk around 700 Garford Ave 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 621 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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