186 Westminster Way, Elyria, OH 44035 Property Records

Lorain County property record for 186 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 File
Last Sale	$248,909 (Sep 2019)
Tax Bill	$4,028 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-101`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-101`

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	192 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	186 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	55
Jurisdiction	LORAIN OH
Township / Civil Division	NORTH RIDGEVILLE
Census Block Group	2
Census Block	2022
Census Tract	80701

Owner

Source: Lorain County assessment roll, as of August 1, 2025

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 File
Mailing Address	186 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
May 1, 2019	Quit Claim Deed, Transfer REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC
Apr 26, 2018	Grant Deed, Mortgage · Line of Credit WAYNE SVGS CMNTY BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Prior Sale	May 1, 2019
Deed Document Number	2019005732
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 19, 2019
Property Address	186 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000730936
Instrument Date	Sep 13, 2019
Instrument	730936
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 3, 2019
Title Company	RET SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$996.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 WESTMINSTER WAY ELYRIA OH 440358970, ELYRIA, OH 44035-8970

Mortgage

Document Number	730937
Date	Sep 19, 2019
Instrument	730937

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.29%

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	May 1, 2019
Property Address	186 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000712995
Instrument Date	Apr 20, 2019
Instrument	712995
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC

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	186 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	$4,028.00	$97,670 (-0.01%) Land $22,750 Building $74,920	$279,070 (-) Land $65,000 Building $214,070
2024	$4,028.00 (-4.28%)	$97,675 (+7.1%) Land $22,750 Building $74,925	$279,070 (+7.1%) Land $65,000 Building $214,070
2023	$4,208.00 (+0.29%)	$91,197 (+0.01%) Land $19,023 Building $72,174	$260,560 (-) Land $54,350 Building $206,210
2022	$4,196.00	$91,190 Land $19,020 Building $72,170
2021			$260,560 Land $54,350 Building $206,210

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
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 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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