154 Westminster Way, Elyria, OH 44035 Property Records

Lorain County property record for 154 Westminster Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2019
Owner	Individual Name on Record
Last Sale	$215,548 (Oct 2019)
Tax Bill	$2,984 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Oct 2019 Sale & Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-093`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-093`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,740 sqft Living Area

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	154 WESTMINSTER WAY
City	ELYRIA
State	OH
Zip	44035-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LAKES SUB 3 46.00 X 80.00
Legal Subdivision	FIELDSTONE LAKES SUB
Legal Lot Number	47
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2006
Census Tract	91100

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	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Reverse Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 16, 2019	Warranty Deed, Subdivision Related Transfer · Reverse Mortgage CROSSCOUNTRY MORTGAGE INC
May 29, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 26, 2018	Grant Deed, Mortgage · Line of Credit WAYNE SVGS CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019 · Amount on Record
Deed Sale	Oct 16, 2019 · Amount on Record
Prior Sale	May 29, 2019
Deed Document Number	2019006383
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970

Mortgage

Document Number	0000865960
Date	Mar 8, 2022
Instrument	2022-0865960

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	791 Months
Due	Feb 25, 2088

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Index	1-Year CMT
Max Rate	8.1%

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 16, 2019
Property Address	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000734564
Map Reference	VOL 103 PG 73&74
Instrument Date	Sep 30, 2019
Instrument	2019-0734564
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970

Mortgage

Document Number	0000734565
Date	Oct 16, 2019
Instrument	2019-0734565

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	May 29, 2019
Property Address	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000716229
Instrument Date	May 21, 2019
Instrument	716229
Transaction Type	Transfer
Record Updated	Jun 11, 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	Company
Address	PO BOX 16155 ROCKY RIVER OH 441160155, ROCKY RIVER, OH 44116-0155

April 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 26, 2018
Property Address	154 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Instrument Date	Apr 26, 2018
Instrument	669911
Transaction Type	Mortgage
Record Updated	May 7, 2018
Title Company	RET SOLUTIONS

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2932 WOOSTER RD ROCKY RIVER OH 441162922, ROCKY RIVER, OH 44116-2922

Mortgage

Document Number	0000669911
Date	Apr 26, 2018
Instrument	669911

Lender

Name	WAYNE SVGS CMNTY BK
Type	Federal Savings Bank
Address	151 N MARKET ST, WOOSTER, OH 44691-4809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,984.00	$93,220 (+%) Land $22,750 Building $70,470	$266,340 (-) Land $65,000 Building $201,340
2024	$2,984.00 (-8.91%)	$93,219 (+16.29%) Land $22,750 Building $70,469	$266,340 (+16.3%) Land $65,000 Building $201,340
2023	$3,276.00 (-0.27%)	$80,158 (%) Land $19,023 Building $61,135	$229,020 (-) Land $54,350 Building $174,670
2022	$3,285.00	$80,160 Land $19,020 Building $61,140
2021			$229,020 Land $54,350 Building $174,670

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	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

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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