Lorain County property record for 10726 W Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,351 sqft · built 2004 |
| Lot Size | 1.57 acres (68,389 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (May 2021) |
| Tax Bill | $5,729 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-010-000-094 |
| Primary APN | 10-00-010-000-094 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,351 sqft Living Area |
| Gross Area | 3,207 sqft |
| 1st Floor Area | 2,351 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 68,389 sqft (1.57 acres) |
| Garage Type | Attached |
| Garage Area | 856 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 1,505 sqft |
| Patio Area | 220 sqft |
| Pole Barn | 720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10726 W RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM -050 |
| Legal Subdivision | CARLISLE SEC 10 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 71500 |
10726 W Ridge Rd is owned and occupied by two individuals who bought it in May 2021.
Source: Lorain County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10726 W RIDGE RD, ELYRIA, OH 44035-7476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| May 28, 2021 | Distress Sale, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on File |
| Deed Sale | May 28, 2021 · Amount on File |
| Deed Document Number | 2021820265 |
| Prior Transfer Date | Dec 16, 2003 |
| Prior Transfer Doc | 0000977405 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 10726 W RIDGE RD, ELYRIA, OH 44035-7476 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10726 W RIDGE RD, ELYRIA, OH 44035-7476 |
| Document Number | 0000906257 |
|---|---|
| Date | Feb 9, 2023 |
| Instrument | 2023-0906257 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount on Record |
|---|---|
| Term | 359 Months |
| Due | Jan 25, 2053 |
| Document Type | Distress Sale |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 28, 2021 |
| Property Address | 10726 W RIDGE RD, ELYRIA, OH 44035-7476 |
| Document Number | 0000820265 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021-0820265 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 10726 W RIDGE RD, ELYRIA, OH 44035-7476 |
| Document Number | 0000820266 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021-0820266 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 10726 W Ridge Rd was $5,729 with a homeowner's exemption.
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 | $5,729.00 Homeowner's exemption | $145,660 (%) Land $17,040 Building $128,620 | $416,180 (-) Land $48,690 Building $367,490 |
| 2024 | $5,729.00 (+8.81%) | $145,663 (+34.92%) Land $17,042 Building $128,622 | $416,180 (+34.92%) Land $48,690 Building $367,490 |
| 2023 | $5,265.00 (+5.05%) | $107,965 (+6.37%) Land $17,798 Building $90,167 | $308,470 Land $50,850 Building $257,620 |
| 2022 | $5,012.00 | $101,500 Land $17,800 Building $83,700 | |
| 2021 | $289,990 Land $50,850 Building $239,140 |
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.
FEMA maps place 10726 W Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 |
|---|---|
| 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 risk around 10726 W Ridge Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 12 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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