10985 Butternut Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 10985 Butternut Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,718 sqft · built 1975
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Tax Bill	$4,282 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00-093-102-063`

Property Details

APN / Parcel Number

Primary APN	`11-00-093-102-063`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,718 sqft Living Area
1st Floor Area	1,724 sqft
2nd Floor Area	368 sqft
Attic Area	275 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	47,045 sqft (1.08 acres)

Exterior Amenities

Porch	Porch
Porch Area	225 sqft
Deck Area	136 sqft
Patio Area	1,667 sqft
Balcony	Balcony
Balcony Area	42 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	10985 BUTTERNUT RIDGE RD
City	ELYRIA
State	OH
Zip	44035-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28-11-093A -057-00
Legal Subdivision	EATON
Legal Block	102
Legal Lot Number	93-94
Jurisdiction	LORAIN OH
Township / Civil Division	EATON
Census Block Group	1
Census Block	1004
Census Tract	77100

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10985 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-8311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit FIREFIGHTERS COMMUNITY CU INC
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIREFIGHTERS CMNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2014
Deed Sale	Feb 3, 2014
Prior Sale	Jun 4, 2013 · Amount on Record
Deed Document Number	2014090321
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	10985 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-8311
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000909471
Date	Mar 15, 2023
Instrument	2023-0909471

Lender

Name	FIREFIGHTERS COMMUNITY CU INC
Type	Credit Union
Address	CLEVELAND, OH 44125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Mar 7, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	10985 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-8311
Document Number	0000783186
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10985 BUTTERNUT RIDGE RD ELYRIA OH 440358311, ELYRIA, OH 44035-8311

Mortgage

Document Number	0000783186
Date	Oct 13, 2020
Instrument	783186

Lender

Name	FIREFIGHTERS CMNTY CU
Type	Credit Union
Address	GARFIELD HEIGHTS, OH 44125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 12, 2035

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Eaton Township
Unified School District	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,282.00	$96,950 (+%) Land $21,460 Building $75,490	$276,990 (-) Land $61,300 Building $215,690
2024	$4,282.00 (+17.48%)	$96,947 (+28.83%) Land $21,455 Building $75,492	$276,990 (+28.83%) Land $61,300 Building $215,690
2023	$3,645.00 (+2.07%)	$75,251 (+%) Land $18,043 Building $57,208	$215,000 (-) Land $51,550 Building $163,450
2022	$3,571.00	$75,250 Land $18,040 Building $57,210
2021			$215,000 Land $51,550 Building $163,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1998–2025)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2025 · rainfall accumulation

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 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 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 156 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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