Lorain County property record for 10478 W Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,115 sqft · built 2001 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (May 2018) |
| Tax Bill | $5,410 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Jan 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-001-101-093 |
| Primary APN | 10-00-001-101-093 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,115 sqft Living Area |
| Gross Area | 2,571 sqft |
| 1st Floor Area | 1,715 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 31,799 sqft (0.73 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 739 sqft |
| Patio Area | 24 sqft |
| Pole Barn | 1,600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10478 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 June 3, 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 | 10478 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jan 14, 2022 | Transfer on Death Deed, Transfer |
| May 11, 2018 | Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2018 · Amount on Record |
| Deed Sale | May 11, 2018 · Amount on Record |
| Prior Sale | Sep 20, 2001 · Amount on Record |
| Deed Document Number | 2018671969 |
| Prior Transfer Date | Dec 12, 2000 |
| Prior Transfer Doc | 0000731186 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 10478 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 | 0000060504 |
|---|---|
| Date | Jul 22, 2025 |
| Instrument | 2025-0060504 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 14, 2022 |
| Property Address | 10478 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000858853 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 2022-0858853 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 10478 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 11, 2018 |
| Property Address | 10478 W RIDGE RD, ELYRIA, OH 44035-6839 |
| Document Number | 0000671969 |
| Instrument Date | May 10, 2018 |
| Instrument | 671969 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Title Company | BARRISTER TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10478 W RIDGE RD ELYRIA OH 440356839, ELYRIA, OH 44035-6839 |
| Document Number | 671970 |
|---|---|
| Date | May 11, 2018 |
| Instrument | 671970 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2048 |
Source: Lorain County assessment roll, as of May 16, 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 | $5,410.00 Homeowner's exemption | $137,100 (%) Land $14,300 Building $122,800 | $391,730 (-) Land $40,870 Building $350,860 |
| 2024 | $5,410.00 (+16.19%) | $137,106 (+44%) Land $14,305 Building $122,801 | $391,730 (+44%) Land $40,870 Building $350,860 |
| 2023 | $4,656.00 (+0.76%) | $95,215 (+0.01%) Land $14,942 Building $80,273 | $272,040 (-) Land $42,690 Building $229,350 |
| 2022 | $4,621.00 | $95,210 Land $14,940 Building $80,270 | |
| 2021 | $272,040 Land $42,690 Building $229,350 |
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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