126 Kensington Way, Elyria, OH 44035 Property Records

Lorain County property record for 126 Kensington Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,772 sqft · built 2021
Owner	Individual Name on File
Last Sale	$77,000 (Dec 2020)
Tax Bill	$4,025 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Dec 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-220`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,772 sqft Living Area

Exterior

Year Built	Built 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	148 sqft
Canopy	148 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	126 KENSINGTON WAY
City	ELYRIA
State	OH
Zip	44035-8913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOUR SEASONS AT CHESTNUT RIDGE SUB NO 2 67.06 X 164.15
Legal Subdivision	CHESTNUT RDG SUB
Legal Lot Number	100
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2004
Census Tract	91100

Owner

126 Kensington Way is owned and occupied by an individual who bought it in December 2020.

Source: Lorain County records, as of March 20, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	126 KENSINGTON WAY, ELYRIA, OH 44035-8913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST FED'L SVGS BK
Dec 23, 2020	Limited Warranty Deed, Construction Loan · Construction Mortgage FIRST FSLA OF LAKEWOOD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Document Number	2020008099
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Dec 23, 2020
Property Address	126 KENSINGTON WAY, ELYRIA, OH 44035-8913
Document Number	0000795179
Instrument Date	Dec 22, 2020
Instrument	795179
Transaction Type	Construction Loan
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	126 KENSINGTON WAY ELYRIA OH 440358913, ELYRIA, OH 44035-8913

Mortgage

Document Number	0000795179
Date	Dec 23, 2020
Instrument	795179

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKEWOOD, OH 44107

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2050

December 2020: Limited Warranty Deed, Construction Loan

Document Type	Limited Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 23, 2020
Property Address	126 KENSINGTON WAY, ELYRIA, OH 44035-8913
Document Number	0000795177
Map Reference	VOL 107 PG 25-30
Instrument Date	Nov 10, 2020
Instrument	2020-0795177
Transaction Type	Construction Loan
Record Updated	May 2, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 KENSINGTON WAY, ELYRIA, OH 44035-8913

Mortgage

Document Number	0000795179
Date	Dec 23, 2020
Instrument	2020-0795179

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 126 Kensington Way was $4,025.

Source: Lorain County assessment roll, as of August 1, 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	$4,025.00	$97,590 (-0.01%) Land $19,020 Building $78,570	$278,840 (-) Land $54,350 Building $224,490
2024	$4,025.00 (-10.63%)	$97,595 (-) Land $19,023 Building $78,572	$278,840 (-) Land $54,350 Building $224,490
2023	$4,504.00 (+0.31%)	$97,595 (-15.88%) Land $19,023 Building $78,572	$278,840 Land $54,350 Building $224,490
2022	$4,490.00	$116,020 Land $19,020 Building $97,000
2021			$331,500 Land $54,350 Building $277,150

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

Flood

FEMA maps place 126 Kensington 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 126 Kensington 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 99.1% of the US · lower than 96% 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 360 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
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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