174 Westminster Way, Elyria, OH 44035 Property Records

Lorain County property record for 174 Westminster Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2019
Owner	2 Individual Names on Record
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Sep 2023 Transfer Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-098`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-098`

Interior

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

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	480 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	174 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	52
Jurisdiction	LORAIN OH
Township / Civil Division	NORTH RIDGEVILLE
Census Block Group	2
Census Block	2022
Census Tract	80701

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	2 Individual Names on Record
Mailing Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Transfer on Death Deed, Transfer
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 12, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENDUS LLC
Mar 21, 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	Dec 28, 2020
Deed Sale	Dec 28, 2020
Prior Sale	Sep 12, 2019 · Amount on Record
Deed Document Number	2020-0795489
Record Updated	Jun 8, 2026

September 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 29, 2023
Property Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000931074
Map Reference	VOL 103 PG 73&74
Instrument Date	Sep 27, 2023
Instrument	2023-0931074
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000795446
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	174 WESTMINSTER WAY ELYRIA OH 440358970, ELYRIA, OH 44035-8970

Mortgage

Document Number	0000795446
Date	Dec 28, 2020
Instrument	795446

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Dec 27, 2033

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 12, 2019
Property Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000729984
Map Reference	VOL 103 PG 73&74
Instrument Date	Sep 9, 2019
Instrument	2019-0729984
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970

Mortgage

Document Number	0000729985
Date	Sep 12, 2019
Instrument	2019-0729985

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 21, 2019
Property Address	174 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000708180
Instrument Date	Mar 18, 2019
Instrument	708180
Transaction Type	Transfer
Record Updated	Apr 1, 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	174 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	$4,024.00	$97,560 (+%) Land $22,750 Building $74,810	$278,740 (-) Land $65,000 Building $213,740
2024	$4,024.00 (-6.24%)	$97,559 (+4.89%) Land $22,750 Building $74,809	$278,740 (+4.89%) Land $65,000 Building $213,740
2023	$4,292.00 (+0.28%)	$93,013 (+%) Land $19,023 Building $73,990	$265,750 (-) Land $54,350 Building $211,400
2022	$4,280.00	$93,010 Land $19,020 Building $73,990
2021			$265,750 Land $54,350 Building $211,400

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force

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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