10280 W Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 10280 W Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 792 sqft · built 1945
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Sep 2022)
Tax Bill	$1,995 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-001-101-021`

Property Details

APN / Parcel Number

Primary APN	`10-00-001-101-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	424 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	10280 W RIDGE RD
City	ELYRIA
State	OH
Zip	44035-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-10-001G -003-00
Legal Block	101
Jurisdiction	LORAIN OH
Township / Civil Division	CARLISLE
Census Block Group	1
Census Block	1003
Census Tract	71500

Owner

Source: Lorain County records, as of March 20, 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 Record
Co-owner	Co-owner on Record
Mailing Address	10280 W RIDGE RD, ELYRIA, OH 44035-6835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Sep 10, 2013
Deed Document Number	2022006008
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 20, 2022
Property Address	10280 W RIDGE RD, ELYRIA, OH 44035-6835
Document Number	0000892007
Instrument Date	Sep 19, 2022
Instrument	2022-0892007
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	NOT AVAILABLE, NETWORK LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10280 W RIDGE RD, ELYRIA, OH 44035-6835

Mortgage

Document Number	0000892008
Date	Sep 20, 2022
Instrument	2022-0892008

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	10280 W RIDGE RD, ELYRIA, OH 44035-6835
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210823347
Date	Jun 15, 2021
Instrument	2021-0823347

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Carlisle Township
Unified School District	Keystone Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,995.00	$50,010 (+%) Land $13,040 Building $36,970	$142,880 (-) Land $37,260 Building $105,620
2024	$1,995.00 (+22.32%)	$50,008 (+52.34%) Land $13,041 Building $36,967	$142,880 (+52.34%) Land $37,260 Building $105,620
2023	$1,631.00 (+0.74%)	$32,827 (-0.01%) Land $13,619 Building $19,208	$93,790 (-) Land $38,910 Building $54,880
2022	$1,619.00	$32,830 Land $13,620 Building $19,210
2021			$93,790 Land $38,910 Building $54,880

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
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	2 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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