122 Westminster Way, Elyria, OH 44035 Property Records

Lorain County property record for 122 Westminster Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,478 sqft · built 2016
Lot Size	0.084 acres (3,679 sqft)
Owner	Trust Name on File
Last Sale	$175,500 (Sep 2016)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-077`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-077`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,478 sqft Living Area
Gross Area	1,878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,679 sqft (0.084 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	32 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	122 WESTMINSTER WAY
City	ELYRIA
State	OH
Zip	44035-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LAKES SUB #2 46 X 80
Legal Subdivision	FIELDSTONE LAKES SUB 2
Legal Lot Number	32
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2006
Census Tract	91100

Owner

122 Westminster Way is owner-occupied and held in a trust since January 2019.

Source: Lorain County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	122 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Feb 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2016 · Amount on File
Deed Sale	Sep 28, 2016 · Amount on File
Deed Document Number	2016602619
Last Transfer Date	Jan 24, 2019
Transfer Doc	0000704235
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 14, 2026
Property Address	122 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000095874
Instrument Date	May 8, 2026
Instrument	202695874
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0000095874,
Date	May 14, 2026
Instrument	202695874

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 8, 2056

Interest

Rate	6.37%
Max Rate	-1%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 12, 2019
Property Address	122 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000704235
Instrument Date	Jan 24, 2019
Instrument	704235
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	122 WESTMINSTER WAY ELYRIA OH 440358970, ELYRIA, OH 44035-8970

Tax Assessment & Valuation

The 2025 property tax bill for 122 Westminster Way was $3,529 with a homeowner's exemption.

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Elyria City
Unified School District	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,529.00 Homeowner's exemption	$85,550 (+%) Land $22,750 Building $62,800	$244,420 (-) Land $65,000 Building $179,420
2024	$3,529.00 (+10.07%)	$85,547 (+23.14%) Land $22,750 Building $62,797	$244,420 (+23.15%) Land $65,000 Building $179,420
2023	$3,206.00 (+0.28%)	$69,469 (%) Land $19,023 Building $50,446	$198,480 Land $54,350 Building $144,130
2022	$3,197.00	$69,470 Land $19,020 Building $50,450
2021			$198,480 Land $54,350 Building $144,130

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

FEMA maps place 122 Westminster Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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	2 in force
Nearby Flood Claims	2 (2020–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2023 · 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

Wildfire risk around 122 Westminster Way 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 98% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELYRIA WATER DEPARTMENT serves 68,000 people · EPA ID OH4700411
Water Source	Surface water
Last State Inspection	Jun 2023
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	None 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Breezeline, Verizon.

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