232 Kensington Way, Elyria, OH 44035 Property Records

Lorain County property record for 232 Kensington Way, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,804 sqft · built 2019
Lot Size	0.195 acres (8,497 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Nov 2025)
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Nov 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-00-090-000-145`

Property Details

APN / Parcel Number

Primary APN	`11-00-090-000-145`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,804 sqft Living Area
Gross Area	2,244 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	8,497 sqft (0.195 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft
Canopy	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	232 KENSINGTON WAY
City	ELYRIA
State	OH
Zip	44035-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOUR SEASONS AT CHESTNUT RIDGE SUB #1 54.94 X 146.59
Legal Subdivision	FOUR SEASONS AT CHESTNUT RIDGE SUB 1
Legal Lot Number	32
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	2
Census Block	2004
Census Tract	91100

Owner

232 Kensington Way is owned and occupied by two individuals who bought it in November 2025.

Source: Lorain County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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 14, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 25, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 17, 2020	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Jun 30, 2020	Loan Modification, Mortgage HUNTINGTON NAT'L BK
Sep 17, 2019	Limited Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Document Number	202576684
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909

Mortgage

Document Number	0000059400
Date	Jul 14, 2025
Instrument	2025-0059400

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 25, 2025
Property Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Document Number	0000076684
Map Reference	VOL 106 PG 60-64
Instrument Date	Nov 20, 2025
Instrument	2025-0076684
Transaction Type	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
Relationship	Right of Survivorship
Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909

Mortgage

Document Number	0000076685
Date	Nov 25, 2025
Instrument	2025-0076685

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Document Number	0000790158
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 KENSINGTON WAY ELYRIA OH 440358909, ELYRIA, OH 44035-8909

Mortgage

Document Number	0000790158
Date	Nov 23, 2020
Instrument	790158

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LORAIN OH
Property Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Document Number	0000771864
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 KENSINGTON WAY ELYRIA OH 440358909, ELYRIA, OH 44035-8909

Mortgage

Document Number	0000771864
Date	Jul 31, 2020
Instrument	771864

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 30, 2030

September 2019: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 17, 2019
Property Address	232 KENSINGTON WAY, ELYRIA, OH 44035-8909
Document Number	0000730593
Map Reference	VOL 106 PG 60-64
Instrument Date	Sep 4, 2019
Instrument	2019-0730593
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount 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	232 KENSINGTON OVAL, ELYRIA, OH 44035-8909

Mortgage

Document Number	0000730594
Date	Sep 17, 2019
Instrument	2019-0730594

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	130 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 232 Kensington Way was $3,514 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	$3,514.00 (-2.77%) Homeowner's exemption	$85,190 (%) Land $19,020 Building $66,170	$243,410 (-) Land $54,350 Building $189,060
2024	$3,614.00 (-8.06%)	$85,194 (-) Land $19,023 Building $66,171	$243,410 (-) Land $54,350 Building $189,060
2023	$3,931.00 (+0.28%)	$85,194 (-21.65%) Land $19,023 Building $66,171	$243,410 Land $54,350 Building $189,060
2022	$3,920.00	$108,740 Land $19,020 Building $89,720
2021			$310,700 Land $54,350 Building $256,350

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 232 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 232 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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Windstream.

Nearby Properties on Kensington Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures