Lorain County property record for 10442 W Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,575 sqft · built 2001 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Jun 2020) |
| Tax Bill | $4,629 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Aug 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-001-101-091 |
| Primary APN | 10-00-001-101-091 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,575 sqft Living Area |
| 1st Floor Area | 1,940 sqft |
| 2nd Floor Area | 768 sqft |
| Upper Floors Area | 324 sqft |
| Attic Area | 20 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Attached |
| Garage Area | 20 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 300 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 10442 W RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-6839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM -079 |
| Legal Subdivision | CARLISLE SEC 01 |
| Legal Block | 101 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Aug 20, 2025 | Transfer on Death Deed, Transfer |
| Jun 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Aug 3, 2017 | Deed, Transfer · FHA Mortgage GSF MORTGAGE CORP |
| Jun 28, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2020 · Amount on Record |
| Deed Sale | Jun 1, 2020 · Amount on Record |
| Prior Sale | Aug 3, 2017 · Amount on Record |
| Deed Document Number | 2020002835 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000929260 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 2023-0929260 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 8, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 20, 2025 |
| Property Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000064294 |
| Instrument Date | Aug 12, 2025 |
| Instrument | 2025-0064294 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 1, 2020 |
| Property Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000762768 |
| Instrument Date | May 30, 2020 |
| Instrument | 762768 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2020 |
| Title Company | OHIO FIRST LAND TITLE AGENCY LLC, OHIO FIRST LAND TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10442 W RIDGE RD ELYRIA OH 440356839, ELYRIA, OH 44035-6839 |
| Document Number | 762769 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | 762769 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.14% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 3, 2017 |
| Property Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000639165 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 2017-0639165 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $604.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3217 DECKER LAKE DR, 3217, SALT LAKE CITY, UT 84119-3284 |
| Name | Verified Name |
|---|---|
| Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000639166 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 2017-0639166 |
| Name | GSF MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 28, 2017 |
| Property Address | 10442 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000634759 |
| Instrument Date | Mar 7, 2017 |
| Instrument | 634759 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $540.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Carlisle Township |
| Unified School District | Keystone Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,629.00 | $117,700 (%) Land $15,500 Building $102,200 | $336,290 (-) Land $44,280 Building $292,010 |
| 2024 | $4,629.00 (+5.37%) | $117,702 (+30.7%) Land $15,498 Building $102,204 | $336,290 (+30.7%) Land $44,280 Building $292,010 |
| 2023 | $4,393.00 (+0.73%) | $90,055 (+0.01%) Land $16,184 Building $73,871 | $257,300 (-) Land $46,240 Building $211,060 |
| 2022 | $4,361.00 | $90,050 Land $16,180 Building $73,870 | |
| 2021 | $257,300 Land $46,240 Building $211,060 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
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 |
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