964 Garford Ave, Elyria, OH 44035 Property Records

Lorain County property record for 964 Garford Ave, Elyria, OH 44035 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1999
Square Footage	2,454 sqft Living Area
Lot Size	5,227 sqft (0.119 acres)
Occupancy	Owner Occupied
Last Sale	$275,000 (2021)
Tax Bill	$4,427.00 (2025)

Owner

Source: Lorain County records · APN 06-25-005-113-018

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	964 GARFORD AVE, ELYRIA, OH 44035-6655
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	Aug 19, 2003 · Amount on Record
Deed Doc Number	2021008673
Record Refreshed	Jun 08, 2026

December 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 17, 2021
Property Address	964 GARFORD AVE, ELYRIA, OH 44035-6655
Document Number	0000854726
Instrument Date	Dec 03, 2021
Instrument	2021-0854726
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	NOT AVAILABLE, KINGDOM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right Of Survivorship
Address	964 GARFORD AVE, ELYRIA, OH 44035-6655

Mortgage

Document Number	0000854727
Date	Dec 17, 2021
Instrument	2021-0854727

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

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

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	$4,427.00	$94,010 (-0.01%) Land $5,200 Building $88,810	$268,620 (-) Land $14,870 Building $253,750
2024	$4,427.00 (-6.27%)	$94,018 (+8.47%) Land $5,205 Building $88,813	$268,620 (+8.47%) Land $14,870 Building $253,750
2023	$4,723.00 (+0.36%)	$86,678 (%) Land $5,331 Building $81,347	$247,650 (-) Land $15,230 Building $232,420
2022	$4,706.00	$86,680 Land $5,330 Building $81,350
2021			$247,650 Land $15,230 Building $232,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 4% of the US · above 19% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`06-25-005-113-018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,454 sqft Living Area
1st Floor	1,484 sqft 1st Floor
2nd Floor	970 sqft 2nd Floor
Family Room	Family Room
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1999
Architectural Style	Traditional Style
Exterior Material	Brick Exterior
Construction Type	Frame Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Lot Area	5,227 sqft (0.119 acres)
Depth X Width	180 ft x 30 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	392 sqft Garage

Exterior Amenities

Deck Area	682 sqft Deck
Patio Area	682 sqft Patio
Porch	Open Porch
Porch Area	54 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	964 GARFORD AVE
City	ELYRIA
State	OH
Zip	44035-6655
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GARFORD AVE FRONTAGE 30 X 180
Legal Subdivision	BLACK RIVER
Legal Tract	25
Legal Block	113
Legal Lot Number	5
Jurisdiction	LORAIN OH
Minor Civil Division	ELYRIA
Census Blockgroup	2
Census Block	2007
Census Tract	71100