38145 Chestnut Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 38145 Chestnut Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,768 sqft · built 1925
Lot Size	1.94 acres (84,506 sqft)
Owner	2 Individual Names on File
Last Sale	$194,250 (Oct 2017)
Tax Bill	$3,629 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-00-092-000-014`

Property Details

APN / Parcel Number

Primary APN	`11-00-092-000-014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	84,506 sqft (1.94 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	224 sqft
Deck Area	12 sqft
Patio Area	12 sqft
Canopy	112 sqft
Pole Barn	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	38145 CHESTNUT RIDGE RD
City	ELYRIA
State	OH
Zip	44035-8648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.94 AC
Legal Subdivision	WEST CHESTNUT RIDGE FARMS
Legal Lot Number	7
Jurisdiction	LORAIN OH
Township / Civil Division	EATON
Census Block Group	2
Census Block	2015
Census Tract	91100

Owner

38145 Chestnut Ridge Rd is owned and occupied by two individuals who bought it in October 2017.

Source: Lorain County records, as of March 20, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	38145 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8648
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 23, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Oct 23, 2017	Deed of Trust, Mortgage · Conventional with PMI AMERIFIRST FIN'L CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on File
Deed Sale	Oct 23, 2017 · Amount on File
Prior Sale	Mar 8, 2012 · Amount on File
Deed Document Number	2017006063
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	38145 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8648
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000804072
Date	Feb 23, 2021
Instrument	2021-0804072

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 26, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	38145 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8648
Document Number	0000649392
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1543 WEYMOUTH CIR #304 WESTLAKE OH 441457002, 304, WESTLAKE, OH 44145-7002

Mortgage

Document Number	0000649392
Date	Oct 26, 2017
Instrument	649392

Lender

Name	AMERIFIRST FIN'L CORP
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38145 Chestnut Ridge Rd was $3,629.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Eaton Township
Unified School District	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,629.00	$81,710 (+0.01%) Land $23,820 Building $57,890	$233,440 (-) Land $68,050 Building $165,390
2024	$3,629.00 (+5.74%)	$81,705 (+15.6%) Land $23,818 Building $57,887	$233,440 (+15.6%) Land $68,050 Building $165,390
2023	$3,432.00 (-2.8%)	$70,680 (-) Land $21,760 Building $48,920	$201,940 Land $62,170 Building $139,770
2022	$3,531.00	$70,680 Land $21,760 Building $48,920
2021			$201,940 Land $62,170 Building $139,770

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 38145 Chestnut Ridge Rd 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 38145 Chestnut Ridge Rd is low, with a 0.02% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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