Lorain County property record for 915 Howard St, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1980 |
| Square Footage | 2,096 sqft Living Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $158,000 (2019) |
| Tax Bill | $3,370.00 (2025) |
| Primary APN | 06-25-026-106-051 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,096 sqft Living Area |
| 1st Floor | 1,612 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Raised Foundation |
| Lot Area | 6,970 sqft (0.16 acres) |
| Depth X Width | 120 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Deck Area | 108 sqft Deck |
| Patio Area | 108 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 915 HOWARD ST |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-3054 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SHERWOOD FOREST 3 60.00 X 120.00 |
| Legal Subdivision | SHERWOOD FOREST 03 |
| Legal Tract | 25 |
| Legal Block | 106 |
| Legal Lot Number | 124 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 70102 |
Source: Lorain County records · APN 06-25-026-106-051
Assessment roll updated August 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 915 HOWARD ST, ELYRIA, OH 44035-3054 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 06, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 24, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 24, 2019 · Amount on Record |
| Deed Sale | Jan 24, 2019 · Amount on Record |
| Deed Doc Number | 2019000380 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 915 HOWARD ST, ELYRIA, OH 44035-3054 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2022 |
| Title Company | KINGDOM TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000874204 |
|---|---|
| Date | May 06, 2022 |
| Instrument | 2022-0874204 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 24, 2019 |
| Property Address | 915 HOWARD ST, ELYRIA, OH 44035-3054 |
| Document Number | 0000702300 |
| Map Reference | VOL 25 PG 77 |
| Instrument Date | Jan 23, 2019 |
| Instrument | 2019-0702300 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 915 HOWARD ST, ELYRIA, OH 44035-3054 |
| Investor | Possibly a Property Investor |
| Document Number | 0000702301 |
|---|---|
| Date | Jan 24, 2019 |
| Instrument | 2019-0702301 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,370.00 | $71,030 (-0.01%) Land $8,660 Building $62,370 | $202,960 (-) Land $24,750 Building $178,210 |
| 2024 | $3,370.00 (+28.09%) | $71,037 (+49.44%) Land $8,663 Building $62,374 | $202,960 (+49.43%) Land $24,750 Building $178,210 |
| 2023 | $2,631.00 (+1.94%) | $47,537 (-0.01%) Land $10,409 Building $37,128 | $135,820 (-) Land $29,740 Building $106,080 |
| 2022 | $2,581.00 | $47,540 Land $10,410 Building $37,130 | |
| 2021 | $135,820 Land $29,740 Building $106,080 |
915 Howard St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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