Lorain County property record for 38227 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,948 sqft · built 1964 |
| Lot Size | 1.85 acres (80,586 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,100 (Jun 2026) |
| Tax Bill | $3,262 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2025 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-00-092-000-009 |
| Primary APN | 11-00-092-000-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| Gross Area | 2,988 sqft |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 703 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 80,586 sqft (1.85 acres) |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 169 sqft |
| Deck Area | 480 sqft |
| Patio Area | 1,200 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 38227 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20010797577 |
| Legal Subdivision | EATON |
| Legal Lot Number | 91,92 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | EATON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 91100 |
38227 Chestnut Ridge Rd is owned and occupied by an individual who bought it in June 2026.
Source: Lorain County records, as of June 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38227 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Oct 30, 2025 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on File |
| Deed Sale | Jun 16, 2026 · Amount on File |
| Prior Sale | Oct 30, 2025 · Amount on File |
| Deed Document Number | 202699953 |
| Prior Transfer Date | Oct 17, 2025 |
| Prior Transfer Doc | 0000073504 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 16, 2026 |
| Property Address | 38227 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8646 |
| Document Number | 0000099953 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 202699953 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TITLESMART, TITLEMAX |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $121,240.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38227 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8646 |
| Document Number | 0000099954, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202699954 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 30, 2025 |
| Property Address | 38227 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8646 |
| Document Number | 0000073504 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 2025-0073504 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 38227 Chestnut Ridge Rd was $3,262 with a homeowner's exemption, down 15.8% from the year before.
Source: Lorain County assessment roll, as of May 16, 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 | $3,262.00 (-15.8%) Homeowner's exemption | $93,560 (+0.01%) Land $23,350 Building $70,210 | $267,290 (-) Land $66,700 Building $200,590 |
| 2024 | $3,874.00 (+14.38%) | $93,552 (+19.08%) Land $23,345 Building $70,207 | $267,290 (+19.08%) Land $66,700 Building $200,590 |
| 2023 | $3,387.00 (+1.44%) | $78,565 (-0.01%) Land $21,469 Building $57,096 | $224,470 Land $61,340 Building $163,130 |
| 2022 | $3,339.00 | $78,570 Land $21,470 Building $57,100 | |
| 2021 | $224,470 Land $61,340 Building $163,130 |
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.
FEMA maps place 38227 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 risk around 38227 Chestnut Ridge Rd is low, with 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 | 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.
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 228 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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