816 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 816 Garford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,957 sqft · built 1951
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Tax Bill	$3,523 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`013022-9`

Property Details

APN / Parcel Number

Primary APN	`013022-9`
Alternative APN	`06-25-005-113-023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,957 sqft Living Area
Gross Area	3,770 sqft
1st Floor Area	1,957 sqft
Basement Area	1,477 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	180 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	444 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	013022-9
Street Address	816 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	85 X 180
Legal Subdivision	EAST OF BALK RIVER
Legal Tract	5
Legal Block	113
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2007
Census Tract	71100

Owner

816 Garford Ave is owned and occupied by an individual who acquired it in November 2021.

Source: Lorain County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 15, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Feb 15, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Nov 15, 2021	Transfer on Death Deed, Transfer
Nov 15, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2005
Deed Sale	May 25, 2005
Deed Document Number	200574702
Last Transfer Date	Nov 12, 2021
Transfer Doc	20210849277
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 GARFORD AVE, ELYRIA, OH 44035-6606

Mortgage

Document Number	0000062708
Date	Aug 7, 2025
Instrument	2025-0062708

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 GARFORD AVE, ELYRIA, OH 44035-6606

Mortgage

Document Number	0000862931
Date	Feb 15, 2022
Instrument	2022-0862931

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	177 Months
Due	Nov 19, 2036

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 GARFORD AVE, ELYRIA, OH 44035-6606

Mortgage

Document Number	0000862931
Date	Feb 15, 2022
Instrument	2022-0862931

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	177 Months
Due	Nov 19, 2036

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 15, 2021
Property Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
Document Number	20210849277
Instrument Date	Nov 12, 2021
Instrument	2021-0849277
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 15, 2021
Property Address	816 GARFORD AVE, ELYRIA, OH 44035-6606
Document Number	0000849277
Instrument Date	Nov 12, 2021
Instrument	2021-0849277
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 GARFORD AVE, ELYRIA, OH 44035-6606

Tax Assessment & Valuation

The 2025 property tax bill for 816 Garford Ave was $3,523, down 0.5% from the year before.

Source: Lorain County assessment roll, as of May 16, 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	$3,523.00 (-0.48%)	$74,810 (+0.01%) Land $11,710 Building $63,100	$213,730 (-) Land $33,450 Building $180,280
2024	$3,540.00 (+4.86%)	$74,806 (+20.74%) Land $11,708 Building $63,098	$213,730 (+20.74%) Land $33,450 Building $180,280
2023	$3,376.00 (+0.39%)	$61,954 (+0.01%) Land $11,991 Building $49,963	$177,010 Land $34,260 Building $142,750
2022	$3,363.00	$61,950 Land $11,990 Building $49,960
2021			$177,010 Land $34,260 Building $142,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 816 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 816 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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