10770 W Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 10770 W Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,472 sqft · built 1979
Lot Size	8.71 acres (379,408 sqft)
Owner	2 Individual Names on Record
Last Sale	$193,000 (Aug 2016)
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-00-010-000-095`

Property Details

APN / Parcel Number

Primary APN	`10-00-010-000-095`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,472 sqft Living Area
1st Floor Area	1,856 sqft
Basement Area	1,120 sqft
Family Room	Family Room

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	379,408 sqft (8.71 acres)

Exterior Amenities

Porch	Porch
Deck Area	120 sqft
Patio Area	180 sqft
Pole Barn	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10770 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

Owner

Source: Lorain County records, as of May 15, 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	10770 W RIDGE RD, ELYRIA, OH 44035-7476
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2016 · Amount on Record
Deed Sale	Aug 26, 2016 · Amount on Record
Deed Document Number	2016598580
Prior Transfer Date	Dec 16, 2003
Prior Transfer Doc	0000977406
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	10770 W RIDGE RD, ELYRIA, OH 44035-7476
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10770 W RIDGE RD, ELYRIA, OH 44035-7476

Mortgage

Document Number	0000904789
Date	Jan 25, 2023
Instrument	2023-0904789

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 5, 2026
Property Address	10770 W RIDGE RD, ELYRIA, OH 44035-7476
Document Number	0000094625
Instrument Date	Mar 12, 2026
Instrument	202694625
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10770 W RIDGE RD, ELYRIA, OH 44035-7476

Mortgage

Document Number	0000094625,
Date	May 5, 2026
Instrument	202694625

Lender

Name	RIVER CITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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	$4,082.00 (-0.24%)	$99,450 (%) Land $30,600 Building $68,850	$284,150 (-) Land $87,440 Building $196,710
2024	$4,092.00 (+5.96%)	$99,453 (+28.46%) Land $30,604 Building $68,849	$284,150 (+28.46%) Land $87,440 Building $196,710
2023	$3,862.00 (+0.73%)	$77,421 (+%) Land $30,139 Building $47,282	$221,200 (-) Land $86,110 Building $135,090
2022	$3,834.00	$77,420 Land $30,140 Building $47,280
2021			$221,200 Land $86,110 Building $135,090

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
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 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.

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 17 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 / 50

May also be available: Verizon.

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