Lorain County property record for 38907 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,002 sqft · built 1950 |
| Lot Size | 1.42 acres (61,855 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $89,000 (Nov 2013) |
| Tax Bill | $2,260 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017485-2 |
| Primary APN | 017485-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,002 sqft Living Area |
| Gross Area | 2,004 sqft |
| 1st Floor Area | 1,002 sqft |
| Basement Area | 1,002 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 61,855 sqft (1.42 acres) |
| Deck Area | 20 sqft |
| Patio Area | 50 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Account Number | 017485-2 |
|---|---|
| Street Address | 38907 CHESTNUT RIDGE RD |
| City | ELYRIA |
| State | OH |
| Zip | 44035-8245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM -522 |
| Legal Subdivision | ELYRIA SEC 05 |
| Legal Block | 107 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 71300 |
Source: Lorain County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Jun 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Jun 15, 2020 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Dec 9, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 6, 2013 | Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2013 · Amount on Record |
| Deed Sale | Nov 8, 2013 · Amount on Record |
| Prior Sale | May 13, 1998 · Amount on Record |
| Deed Document Number | 2013485540 |
| Last Transfer Date | Nov 15, 2019 |
| Transfer Doc | 0000741411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jul 9, 2026 |
| Property Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000102873 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026102873 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000102873, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 2026102873 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Nov 1, 2052 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000015982 |
|---|---|
| Date | Jun 11, 2024 |
| Instrument | 2024-0015982 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Nov 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000771417 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38907 CHESTNUT RIDGE RD ELYRIA OH 440358245, ELYRIA, OH 44035-8245 |
| Document Number | 0000771417 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 771417 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 9, 2019 |
| Property Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000741411 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 741411 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38907 CHESTNUT RIDGE RD ELYRIA OH 440358245, ELYRIA, OH 44035-8245 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38907 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000616943 |
| Instrument Date | Nov 6, 2013 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 38907 CHESTNUT RIDGE RD ELYRIA OH 440358245, ELYRIA, OH 44035-8245 |
| Document Number | 0000616943 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 616943 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 29, 2047 |
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 | $2,260.00 | $53,940 (+0.01%) Land $22,350 Building $31,590 | $154,100 (-) Land $63,850 Building $90,250 |
| 2024 | $2,260.00 (+25.35%) | $53,936 (+41.32%) Land $22,348 Building $31,588 | $154,100 (+41.32%) Land $63,850 Building $90,250 |
| 2023 | $1,803.00 (+0.73%) | $38,165 (-0.01%) Land $19,758 Building $18,407 | $109,040 (-) Land $56,450 Building $52,590 |
| 2022 | $1,790.00 | $38,170 Land $19,760 Building $18,410 | |
| 2021 | $109,040 Land $56,450 Building $52,590 |
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 · 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 | Low lower than 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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 | 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 528 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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