Lorain County property record for 38801 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,720 sqft · built 1989 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Jul 2022) |
| Tax Bill | $2,735 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-086 |
| Primary APN | 10-00-005-107-086 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 2,248 sqft |
| 1st Floor Area | 1,720 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 130 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 276 sqft |
| Patio Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 38801 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK SUB #1 73.72 X 130 |
| Legal Subdivision | ROBIN PARK SUB 1 |
| Legal Block | 107 |
| Legal Lot Number | 1 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 71300 |
38801 Chestnut Ridge Rd is owned and occupied by two individuals who bought it in July 2022.
Source: Lorain County records, as of October 6, 2026
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 File |
|---|---|
| Mailing Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| Oct 18, 2022 | Deed of Trust, Mortgage · Line of Credit ACHIEVA CU |
| Jul 8, 2022 | Survivorship Deed, Transfer NETWORK TITLE AGENCY, NETWORK LAND TITLE AGENCY LL |
| Jun 16, 2022 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2022 · Amount on File |
| Deed Sale | Jul 8, 2022 · Amount on File |
| Deed Document Number | 2022882437 |
| Prior Transfer Date | Jul 7, 2022 |
| Prior Transfer Doc | 0000882437 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 22, 2026 |
| Property Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Document Number | 0000112480 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 2026112480 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | CUNA MUTUAL GROUP |
| Name | Verified Name |
|---|---|
| Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Document Number | 0000112480, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 2026112480 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 23, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000895556 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 2022-0895556 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | ELYRIA, OH 44035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Oct 17, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 8, 2022 |
| Property Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Document Number | 0000882437 |
| Map Reference | VOL 34 PG 40 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022-0882437 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | NETWORK TITLE AGENCY, NETWORK LAND TITLE AGENCY LL |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 16, 2022 |
| Property Address | 38801 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8247 |
| Document Number | 0000879744 |
| Map Reference | VOL 34 PG 40 |
| Instrument Date | May 24, 2022 |
| Instrument | 2022-0879744 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12335 ROBSON RD, GRAFTON, OH 44044-9165 |
The 2025 property tax bill for 38801 Chestnut Ridge Rd was $2,735 with a homeowner's exemption, down 2.7% from the year before.
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 | $2,735.00 (-2.67%) Homeowner's exemption | $66,210 (-0.01%) Land $16,160 Building $50,050 | $189,190 (-) Land $46,180 Building $143,010 |
| 2024 | $2,810.00 (+30.39%) | $66,217 (+41.77%) Land $16,163 Building $50,054 | $189,190 (+41.77%) Land $46,180 Building $143,010 |
| 2023 | $2,155.00 (-2.4%) | $46,708 (%) Land $8,481 Building $38,227 | $133,450 Land $24,230 Building $109,220 |
| 2022 | $2,208.00 | $46,710 Land $8,480 Building $38,230 | |
| 2021 | $133,450 Land $24,230 Building $109,220 |
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 38801 Chestnut Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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.
The area around 38801 Chestnut Ridge Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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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