Lorain County property record for 38570 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,308 sqft · built 1977 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Jul 2017) |
| Tax Bill | $1,463 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-102-063 |
| Primary APN | 10-00-005-102-063 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,308 sqft Living Area |
| Gross Area | 1,836 sqft |
| 1st Floor Area | 1,308 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 88 sqft |
| Patio Area | 88 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Street Address | 38570 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS #2 99.22 X 125 S/L 48 |
| Legal Subdivision | CHESTNUT RIDGE HTS 2 |
| Legal Block | 102 |
| Legal Lot Number | 48 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 71202 |
Source: Lorain County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 28570 CHESTNUT RIDGE RD, ELYRIA, OH 44035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Oct 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Jul 28, 2017 | Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2017 · Amount on Record |
| Deed Sale | Jul 28, 2017 · Amount on Record |
| Prior Sale | Apr 17, 2007 · Amount on Record |
| Deed Document Number | 2017638450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38570 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8251 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38570 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8251 |
| Document Number | 0000057189 |
|---|---|
| Date | Jun 24, 2025 |
| Instrument | 2025-0057189 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38570 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8251 |
| Document Number | 0000735933 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 38570 CHESTNUT RIDGE RD ELYRIA OH 440358251, ELYRIA, OH 44035-8251 |
| Document Number | 0000735933 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 735933 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 131 COURT ST, ELYRIA, OH 44035-5511 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 28, 2017 |
| Property Address | 38570 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8251 |
| Document Number | 0000638450 |
| Map Reference | MB 32 PG 41 |
| Instrument Date | Jul 26, 2017 |
| Instrument | 2017-0638450 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38570 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8251 |
| Document Number | 0000638451 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 2017-0638451 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Elyria City |
| Unified School District | Elyria City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,463.00 Homeowner's exemption | $51,890 (+%) Land $14,110 Building $37,780 | $148,250 (-) Land $40,310 Building $107,940 |
| 2024 | $1,463.00 (-3.88%) | $51,888 (+39.86%) Land $14,109 Building $37,779 | $148,250 (+39.86%) Land $40,310 Building $107,940 |
| 2023 | $1,522.00 (-1.1%) | $37,101 (+%) Land $10,868 Building $26,233 | $106,000 (-) Land $31,050 Building $74,950 |
| 2022 | $1,539.00 | $37,100 Land $10,870 Building $26,230 | |
| 2021 | $106,000 Land $31,050 Building $74,950 |
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.
Source: FEMA National Flood Hazard Layer, effective May 25, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
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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