Lorain County property record for 322 Ridgewater Dr, Elyria, OH 44035 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 2024 |
| Occupancy | Owner Occupied |
| Last Sale | $287,400 (2025) |
| Primary APN | 06-24-017-102-204 |
|---|
| Year Built | Built 2024 |
|---|
| Street Address | 322 RIDGEWATER DR |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-4478 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RIDGE WATER SUB #6 70 X 125 |
| Legal Subdivision | RIDGE WATER SUB 6 |
| Legal Block | 102 |
| Legal Lot Number | 154 |
| Jurisdiction | LORAIN OH |
| Minor Civil Division | ELYRIA |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 70902 |
Source: Lorain County records · APN 06-24-017-102-204
Assessment roll updated May 16, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 05, 2025 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 13, 2025 | Survivorship Deed, Transfer · Federal Housing Administration (FHA) Mortgage NVR MORTGAGE FINANCE INC |
| Oct 11, 2024 | Warranty Deed, Transfer GUARDIAN TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 13, 2025 · Amount on Record |
| Deed Sale | Jan 13, 2025 · Amount on Record |
| Prior Sale | Oct 11, 2024 · Amount on Record |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Document Number | 0000066388 |
|---|---|
| Date | Sep 05, 2025 |
| Instrument | 2025-0066388 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | HOPKINS, MN 55343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 13, 2025 |
| Property Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Document Number | 0000039278 |
| Map Reference | VOL 116 PG 45 |
| Instrument Date | Dec 27, 2024 |
| Instrument | 2025-0039278 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | NVR TITLE, NVR TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Document Number | 0000039279 |
|---|---|
| Date | Jan 13, 2025 |
| Instrument | 2025-0039279 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 11, 2024 |
| Property Address | 322 RIDGEWATER DR, ELYRIA, OH 44035-4478 |
| Document Number | 0000029508 |
| Map Reference | VOL 116 PG 45&46 |
| Instrument Date | Sep 26, 2024 |
| Instrument | 2024-0029508 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | GUARDIAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6770 W SNOWVILLE RD STE 100, 100, BRECKSVILLE, OH 44141-3272 |
| Investor | Possibly a Property Investor |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,734.00 | $75,520 (+390.39%) Land $19,250 Building $56,270 | $215,780 (+390.41%) Land $55,000 Building $160,780 |
| 2024 | $15,400 Land $15,400 | $44,000 Land $44,000 |
322 Ridgewater Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Lorain County (39093C), updated May 25, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 1st percentile of exposed land nationally · 4th in Ohio |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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