157 Kensington Way, Elyria, OH 44035 Property Records

Lorain County property record for 157 Kensington Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,852 sqft · built 2021
Lot Size	0.196 acres (8,536 sqft)
Owner	Individual Name on File
Last Sale	$296,000 (Jun 2021)
Tax Bill	$4,214 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-227`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-227`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,852 sqft Living Area
Gross Area	2,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,536 sqft (0.196 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Patio Area	48 sqft
Canopy	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	157 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 53.60 X 142.26
Legal Subdivision	FOUR SEASONS AT CHESTNUT RIDGE SUB NO 2
Legal Lot Number	107
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2004
Census Tract	91100

Owner

157 Kensington Way is owned and occupied by an individual who bought it in June 2021.

Source: Lorain County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer OHIO REAL TITLE
May 6, 2024	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 22, 2021	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2021 · Amount on File
Deed Sale	Jun 22, 2021 · Amount on File
Deed Document Number	2021824513
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 13, 2026
Property Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913
Document Number	0000103305
Instrument Date	Jul 7, 2026
Instrument	2026103305
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Tax	$148,268.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913

Mortgage

Document Number	0000012237
Date	May 6, 2024
Instrument	2024-0012237

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 27, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	LENDERS TITLE AGENCY, LEADERS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000894188
Date	Oct 6, 2022
Instrument	2022-0894188

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

June 2021: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 22, 2021
Property Address	157 KENSINGTON WAY, ELYRIA, OH 44035-8913
Document Number	0000824513
Map Reference	VOL 107 PG 25-30
Instrument Date	Jun 2, 2021
Instrument	2021-0824513
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	157 KENSINGTON WAY, ELYRIA, OH 44035-8913

Mortgage

Document Number	0000824514
Date	Jun 22, 2021
Instrument	2021-0824514

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 157 Kensington Way was $4,214 with a homeowner's exemption, down 2.8% from the year before.

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	$4,214.00 (-2.77%) Homeowner's exemption	$102,160 (%) Land $19,020 Building $83,140	$291,900 (-) Land $54,350 Building $237,550
2024	$4,334.00 (-8.08%)	$102,165 (%) Land $19,023 Building $83,143	$291,900 (-) Land $54,350 Building $237,550
2023	$4,715.00 (+0.3%)	$102,166 (-19.86%) Land $19,023 Building $83,143	$291,900 Land $54,350 Building $237,550
2022	$4,701.00	$127,490 Land $19,020 Building $108,470
2021			$364,260 Land $54,350 Building $309,910

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 157 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 157 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 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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