Lorain County property record for 38682 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,144 sqft · built 1977 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,500 (Sep 2024) |
| Tax Bill | $2,079 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-102-057 |
| Primary APN | 10-00-005-102-057 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 1,628 sqft |
| 1st Floor Area | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 132 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 60 sqft |
| Patio Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Street Address | 38682 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS #2 71.81 X 132 |
| Legal Subdivision | CHESTNUT RIDGE HTS 2 |
| Legal Block | 102 |
| Legal Lot Number | 42 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 71202 |
Source: Lorain County records, as of January 21, 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 | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Sep 3, 2024 | Warranty Deed, Transfer · Conventional Mortgage LIBERTY HOME MORTGAGE CORP |
| Apr 2, 2024 | Warranty Deed, Transfer · Commercial Mortgage THE BEDROCK MORTGAGE FUND LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2024 · Amount on Record |
| Deed Sale | Sep 3, 2024 · Amount on Record |
| Prior Sale | Apr 2, 2024 · Amount on Record |
| Deed Document Number | 202424994 |
| Prior Transfer Date | Apr 1, 2024 |
| Prior Transfer Doc | 0000008616 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Document Number | 0000081442 |
|---|---|
| Date | Jan 8, 2026 |
| Instrument | 2026-0081442 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 3, 2024 |
| Property Address | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Document Number | 0000024994 |
| Map Reference | VOL 32 PG 41 |
| Instrument Date | Aug 22, 2024 |
| Instrument | 2024-0024994 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Document Number | 0000024995 |
|---|---|
| Date | Sep 3, 2024 |
| Instrument | 2024-0024995 |
| Name | LIBERTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 2, 2024 |
| Property Address | 38682 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8249 |
| Document Number | 0000008617 |
| Map Reference | VOL 32 PG 41 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 2024-0008617 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12613 STATE RD, NORTH ROYALTON, OH 44133-3201 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008618 |
|---|---|
| Date | Apr 2, 2024 |
| Instrument | 2024-0008618 |
| Name | THE BEDROCK MORTGAGE FUND LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Mar 26, 2025 |
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 | $2,079.00 (-2.07%) | $43,800 (+0.01%) Land $13,380 Building $30,420 | $125,130 (-) Land $38,220 Building $86,910 |
| 2024 | $2,123.00 (+10.8%) | $43,796 (+27.63%) Land $13,377 Building $30,419 | $125,130 (+27.63%) Land $38,220 Building $86,910 |
| 2023 | $1,916.00 (+0.37%) | $34,315 (-0.01%) Land $10,308 Building $24,007 | $98,040 (-) Land $29,450 Building $68,590 |
| 2022 | $1,909.00 | $34,320 Land $10,310 Building $24,010 | |
| 2021 | $98,040 Land $29,450 Building $68,590 |
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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