Lorain County property record for 976 Gulf Rd, Elyria, OH 44035 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,688 sqft Living Area |
| Lot Size | 13,939 sqft (0.319 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $245,000 (2026) |
| Tax Bill | $3,231.00 (2025) |
| Primary APN | 06-25-163-000-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,688 sqft Living Area |
| 1st Floor | 909 sqft 1st Floor |
| 2nd Floor | 729 sqft 2nd Floor |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Lot Area | 13,939 sqft (0.319 acres) |
| Depth X Width | 285 ft x 50 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 400 sqft Garage |
| Carport | Carport |
| Carport Area | 200 sqft Carport |
| Deck Area | 180 sqft Deck |
|---|---|
| Patio Area | 230 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 224 sqft Porch |
| Topography | Steep Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 976 GULF RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-2962 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY 50.00 X 353.00 |
| Legal Subdivision | SPRING VALLEY FRNT |
| Legal Tract | 25 |
| Legal Lot Number | 524 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 70101 |
Source: Lorain County records · APN 06-25-163-000-030
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 | 976 GULF RD, ELYRIA, OH 44035-2962 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 17, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 17, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 17, 2026 · Amount on Record |
| Deed Sale | Feb 17, 2026 · Amount on Record |
| Prior Sale | Nov 17, 2023 |
| Deed Doc Number | 2026-0085082 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 17, 2026 |
| Property Address | 976 GULF RD, ELYRIA, OH 44035-2962 |
| Document Number | 0000085082 |
| Map Reference | VOL 13 PG 19 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 2026-0085082 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 976 GULF RD, ELYRIA, OH 44035-2962 |
| Document Number | 0000085083 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 2026-0085083 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Number | 0000085303 |
|---|---|
| Date | Feb 18, 2026 |
| Instrument | 2026-0085303 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 01, 2036 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 17, 2023 |
| Property Address | 976 GULF RD, ELYRIA, OH 44035-2962 |
| Document Number | 0000936189 |
| Map Reference | VOL 13 PG 19 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023-0936189 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 976 GULF RD, ELYRIA, OH 44035-2962 |
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 | $3,231.00 | $65,350 (+%) Land $10,870 Building $54,480 | $186,710 (-) Land $31,050 Building $155,660 |
| 2024 | $3,231.00 (+55.49%) | $65,349 (+38.12%) Land $10,868 Building $54,481 | $186,710 (+38.12%) Land $31,050 Building $155,660 |
| 2023 | $2,078.00 (-0.76%) | $47,314 (-0.01%) Land $9,916 Building $37,398 | $135,180 (-) Land $28,330 Building $106,850 |
| 2022 | $2,094.00 | $47,320 Land $9,920 Building $37,400 | |
| 2021 | $135,180 Land $28,330 Building $106,850 |
976 Gulf Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 64th in Ohio |
|---|---|
| Wildfire Likelihood | Low — about 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.
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