917 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 917 Garford Ave, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,673 sqft · built 1927
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Mar 2018)
Tax Bill	$5,317 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-25-005-112-032`

Property Details

APN / Parcel Number

Primary APN	`06-25-005-112-032`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	3,673 sqft Living Area
Gross Area	3,841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	125 ft deep x 153 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	168 sqft
Deck Area	30 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	917 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J & B RUGGLES SUB 1 153.02 X 125
Legal Subdivision	J & B RUGGLES SUB 1
Legal Block	112
Legal Lot Number	1
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2012
Census Tract	71100

Owner

Source: Lorain County records, as of May 16, 2025

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 Record
Mailing Address	917 GARFORD AVE, ELYRIA, OH 44035-6654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 29, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 20, 2021	Intrafamily Transfer, Transfer
Mar 14, 2018	Deed, Transfer · FHA Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2018 · Amount on Record
Deed Sale	Mar 14, 2018 · Amount on Record
Prior Sale	Aug 28, 2015 · Amount on Record
Deed Document Number	2018664698
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000845149
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	917 GARFORD AVE, ELYRIA, OH 44035-6654
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 GARFORD AVE, ELYRIA, OH 44035-6654

Mortgage

Document Number	0000922742
Date	Jul 19, 2023
Instrument	2023-0922742

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ASHVILLE, AL 35953

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	917 GARFORD AVE, ELYRIA, OH 44035-6654
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 GARFORD AVE, ELYRIA, OH 44035-6654

Mortgage

Document Number	0000868723
Date	Mar 29, 2022
Instrument	2022-0868723

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Apr 1, 2048

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Oct 20, 2021
Property Address	917 GARFORD AVE, ELYRIA, OH 44035-6654
Document Number	0000845149
Map Reference	VOL 97 PG 27
Instrument Date	Oct 15, 2021
Instrument	2021-0845149
Transaction Type	Transfer
Record Updated	Dec 24, 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
Address	917 GARFORD AVE, ELYRIA, OH 44035-6654

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 14, 2018
Property Address	917 GARFORD AVE, ELYRIA, OH 44035-6654
Document Number	0000664698
Map Reference	VOL 97 PG 27
Instrument Date	Mar 12, 2018
Instrument	2018-0664698
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	CLEVELAND HOME TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 GARFORD AVE, ELYRIA, OH 44035-6654

Mortgage

Document Number	0000664699
Date	Mar 14, 2018
Instrument	2018-0664699

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$5,317.00 (-0.17%) Homeowner's exemption	$112,560 (%) Land $15,220 Building $97,340	$321,610 (-) Land $43,490 Building $278,120
2024	$5,326.00 (+15.96%)	$112,564 (+34.73%) Land $15,222 Building $97,342	$321,610 (+34.73%) Land $43,490 Building $278,120
2023	$4,593.00 (+0.55%)	$83,549 (%) Land $15,593 Building $67,956	$238,710 (-) Land $44,550 Building $194,160
2022	$4,568.00	$83,550 Land $15,590 Building $67,960
2021			$238,710 Land $44,550 Building $194,160

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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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