Lorain County property record for 38729 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,224 sqft · built 1982 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,370 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jul 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-088 |
| Primary APN | 10-00-005-107-088 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 1,816 sqft |
| 1st Floor Area | 944 sqft |
| Basement Area | 944 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 124 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
| Porch Area | 192 sqft |
| Patio Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Street Address | 38729 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK SUB #1 90.24 X 124.39 |
| Legal Subdivision | ROBIN PARK SUB 1 |
| Legal Block | 107 |
| Legal Lot Number | 3 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 71300 |
Source: Lorain County records, as of July 30, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit ACHIEVE CREDIT UNION |
| Jul 21, 2025 | Deed of Trust, Mortgage · Line of Credit ACHIEVE CREDIT UNION |
| Sep 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SCHOOL EMPS LORAIN CNTY CU |
| Jun 22, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Sep 6, 2017 | Sheriff's Deed, Foreclosure · Conventional Mortgage SCHOOL EMP CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2017 |
| Deed Sale | Sep 6, 2017 |
| Prior Sale | Mar 22, 2000 · Amount on Record |
| Deed Document Number | 2017643237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000880080 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2022-0880080 |
| Name | ACHIEVE CREDIT UNION |
|---|---|
| Address | ELYRIA, OH 44035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Jun 20, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000060284 |
|---|---|
| Date | Jul 21, 2025 |
| Instrument | 2025-0060284 |
| Name | ACHIEVE CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | ELYRIA, OH 44035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Jul 20, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Document Number | 0000689925 |
| Instrument Date | Sep 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38729 CHESTNUT RIDGE RD ELYRIA OH 440358845, ELYRIA, OH 44035-8845 |
| Document Number | 0000689925 |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 689925 |
| Name | SCHOOL EMPS LORAIN CNTY CU |
|---|---|
| Type | Credit Union |
| Address | ELYRIA, OH 44035 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 2, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 22, 2018 |
| Property Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Document Number | 0000677238 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 677238 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38729 CHESTNUT RIDGE RD ELYRIA OH 440358845, ELYRIA, OH 44035-8845 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 6, 2017 |
| Property Address | 38729 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8845 |
| Document Number | 0000643237 |
| Map Reference | MB 9 PG 3 |
| Instrument Date | Sep 6, 2017 |
| Instrument | 2017-0643237 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 29, 2022 |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000643238 |
|---|---|
| Date | Sep 6, 2017 |
| Instrument | 2017-0643238 |
| Name | SCHOOL EMP CU |
|---|
| 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 | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,370.00 (-2.79%) Homeowner's exemption | $57,470 (-) Land $16,660 Building $40,810 | $164,200 (-) Land $47,600 Building $116,600 |
| 2024 | $2,438.00 (+39.71%) | $57,470 (+51.95%) Land $16,660 Building $40,810 | $164,200 (+51.95%) Land $47,600 Building $116,600 |
| 2023 | $1,745.00 (+0.29%) | $37,822 (+0.01%) Land $8,530 Building $29,292 | $108,060 (-) Land $24,370 Building $83,690 |
| 2022 | $1,740.00 | $37,820 Land $8,530 Building $29,290 | |
| 2021 | $108,060 Land $24,370 Building $83,690 |
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 | 1 in force |
| Nearby Flood Claims | 2 (2011–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2021 · 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 | 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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