Lorain County property record for 38075 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,100 sqft · built 1996 |
| Lot Size | 2.72 acres (118,483 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,315 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Nov 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00-092-000-094 |
| Primary APN | 11-00-092-000-094 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Building Area | 3,100 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 118,483 sqft (2.72 acres) |
| Garage Type | Attached |
| Garage Area | 497 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 593 sqft |
| Deck Area | 196 sqft |
| Cooling System | Central |
|---|
| Street Address | 38075 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY/MUNI/TWP:EATON TOWNSHIP |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | EATON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 91100 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 38075 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Nov 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2018 |
| Deed Sale | Apr 30, 2018 |
| Prior Sale | Apr 29, 1999 · Amount on Record |
| Deed Document Number | 2018091482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38075 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8650 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000901361 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 2022-0901361 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Nov 14, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38075 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8650 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38075 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8650 |
| Document Number | 0000032694 |
|---|---|
| Date | Nov 8, 2024 |
| Instrument | 2024-0032694 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 23, 2039 |
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Eaton Township |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,315.00 | $120,110 (%) Land $28,280 Building $91,830 | $343,180 (-) Land $80,800 Building $262,380 |
| 2024 | $5,315.00 | $120,113 Land $28,280 Building $91,833 | $343,180 Land $80,800 Building $262,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| GLW Broadband Cable | 1,000 / 100 |
May also be available: Spectrum, Verizon, Windstream.
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