190 Westminster Way, Elyria, OH 44035 Property Records

Lorain County property record for 190 Westminster Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 2019
Lot Size	0.084 acres (3,682 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Dec 2023)
Tax Bill	$2,807 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-102`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-102`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,432 sqft Living Area
Gross Area	1,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,682 sqft (0.084 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	32 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	190 WESTMINSTER WAY
City	ELYRIA
State	OH
Zip	44035-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LAKES SUB 3 46.02 X 80.60
Legal Subdivision	FIELDSTONE LAKES SUB 3
Legal Lot Number	56
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2006
Census Tract	91100

Owner

Source: Lorain County records, as of September 24, 2025

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
Mailing Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 18, 2023	Warranty Deed, Transfer OHIO REAL TITLE
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Aug 23, 2021	Transfer on Death Deed, Transfer
Jul 25, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Mar 21, 2019	Quit Claim Deed, Transfer STEWART TITLE
Apr 26, 2018	Grant Deed, Mortgage · Line of Credit WAYNE SVGS CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Transfer Date	Aug 10, 2021
Prior Transfer Doc	0000835571
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000826164
Date	Jun 30, 2021
Instrument	2021-0826164

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 18, 2023
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000938950
Map Reference	VOL 103 PG 73&74
Instrument Date	Dec 15, 2023
Instrument	2023-0938950
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
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	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 1, 2022
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000885542
Map Reference	VOL 103 PG 73&74
Instrument Date	Jul 27, 2022
Instrument	2022-0885542
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	NEWMAN TITLE

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
Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970

Mortgage

Document Number	0000885543
Date	Aug 1, 2022
Instrument	2022-0885543

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

August 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 23, 2021
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000835571
Map Reference	VOL 103 PG 73&74
Instrument Date	Aug 10, 2021
Instrument	2021-0835571
Transaction Type	Transfer
Record Updated	Mar 23, 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
Relationship	Joint Tenants

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 25, 2019
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000723473
Instrument Date	Jul 19, 2019
Instrument	723473
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2019
Title Company	RET SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$751.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 WESTMINSTER WAY ELYRIA OH 440358970, ELYRIA, OH 44035-8970

Mortgage

Document Number	723474
Date	Jul 25, 2019
Instrument	723474

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 21, 2019
Property Address	190 WESTMINSTER WAY, ELYRIA, OH 44035-8970
Document Number	0000708181
Instrument Date	Mar 18, 2019
Instrument	708181
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	STEWART TITLE

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	190 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 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	$2,807.00 (-16.36%)	$88,920 (+%) Land $22,750 Building $66,170	$254,050 (-) Land $65,000 Building $189,050
2024	$3,356.00 (+6.54%)	$88,918 (+30.25%) Land $22,750 Building $66,168	$254,050 (+30.26%) Land $65,000 Building $189,050
2023	$3,150.00 (+0.29%)	$68,265 (+0.01%) Land $19,023 Building $49,242	$195,040 (-) Land $54,350 Building $140,690
2022	$3,141.00	$68,260 Land $19,020 Building $49,240
2021			$195,040 Land $54,350 Building $140,690

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 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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