10388 W Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 10388 W Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,220 sqft · built 2001
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jun 2013)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-001-101-088`

Property Details

APN / Parcel Number

Primary APN	`10-00-001-101-088`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,454 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	424 sqft
Porch	Open Frame Porch
Porch Area	154 sqft
Deck Area	448 sqft
Patio Area	448 sqft
Pole Barn	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10388 W RIDGE RD
City	ELYRIA
State	OH
Zip	44035-6837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -076 1.10 AC AC CORR 10/8/10 AC CORR 3/22/13 13-02695-A
Legal Subdivision	CARLISLE
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 · APN 10-00-001-101-088

Assessment roll updated May 16, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10388 W RIDGE RD, ELYRIA, OH 44035-6837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 05, 2013 · Amount on Record
Deed Sale	Jun 05, 2013 · Amount on Record
Prior Sale	Mar 19, 2001 · Amount on Record
Deed Document Number	2013464256
Prior Transfer Date	Oct 04, 2010
Prior Transfer Doc	20100349681
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 01, 2026
Property Address	10388 W RIDGE RD, ELYRIA, OH 44035-6837
Document Number	0000094099
Instrument Date	Apr 23, 2026
Instrument	202694099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10388 W RIDGE RD, ELYRIA, OH 44035-6837

Mortgage

Document Number	0000094099,
Date	May 01, 2026
Instrument	202694099

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified May 2026

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

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	$4,628.00 (-2.09%) Homeowner's exemption	$117,200 (%) Land $15,500 Building $101,700	$334,860 (-) Land $44,280 Building $290,580
2024	$4,727.00 (+0.77%)	$117,201 (+22.13%) Land $15,498 Building $101,703	$334,860 (+22.13%) Land $44,280 Building $290,580
2023	$4,691.00 (+0.75%)	$95,967 (+0.01%) Land $16,184 Building $79,783	$274,190 (-) Land $46,240 Building $227,950
2022	$4,656.00	$95,960 Land $16,180 Building $79,780
2021			$274,190 Land $46,240 Building $227,950

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 39 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RURAL LORAIN CO. WATER A serves 73,125 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.