Lorain County property record for 38941 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,458 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $164,900 (Nov 2020) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-126 |
| Primary APN | 10-00-005-107-126 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 756 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 119 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Heating System | HVAC |
|---|
| Street Address | 38941 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBIN PARK SUB #2 85.27 X 135.00 |
| Legal Subdivision | ROBIN PARK SUBDIVISION #2 SECTION #5 |
| Legal Block | 107 |
| Legal Lot Number | 40 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 71300 |
38941 Chestnut Ridge Rd is owned and occupied by two individuals who bought it in November 2020.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38941 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE EXPRESS |
| Nov 19, 2020 | Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MTG |
| Aug 7, 2017 | Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on File |
| Deed Sale | Nov 19, 2020 · Amount on File |
| Prior Sale | Aug 7, 2017 · Amount on File |
| Deed Document Number | 2020007230 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 38941 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38941 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000071352 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025-0071352 |
| Name | MORTGAGE EXPRESS |
|---|---|
| Type | Mortgage Company |
| Address | EMMETT, MI 48022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 19, 2020 |
| Property Address | 38941 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000789817 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 789817 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 38941 CHESTNUT RIDGE RD ELYRIA OH 440358245, ELYRIA, OH 44035-8245 |
| Document Number | 789818 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 789818 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 7, 2017 |
| Property Address | 38941 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8245 |
| Document Number | 0000639545 |
| Instrument Date | Aug 5, 2017 |
| Instrument | 639545 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2017 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $568.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38941 CHESTNUT RIDGE RD ELYRIA OH 440358245, ELYRIA, OH 44035-8245 |
| Document Number | 639546 |
|---|---|
| Date | Aug 7, 2017 |
| Instrument | 639546 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2047 |
The 2025 property tax bill for 38941 Chestnut Ridge Rd was $2,698.
Source: Lorain County assessment roll, as of August 1, 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 | $2,698.00 | $64,820 (-0.01%) Land $17,150 Building $47,670 | $185,220 (-) Land $49,010 Building $136,210 |
| 2024 | $2,698.00 (+24.79%) | $64,828 (+38.36%) Land $17,154 Building $47,674 | $185,220 (+38.36%) Land $49,010 Building $136,210 |
| 2023 | $2,162.00 (+0.28%) | $46,855 (-0.01%) Land $8,736 Building $38,119 | $133,870 Land $24,960 Building $108,910 |
| 2022 | $2,156.00 | $46,860 Land $8,740 Building $38,120 | |
| 2021 | $133,870 Land $24,960 Building $108,910 |
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 38941 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.
Wildfire risk around 38941 Chestnut Ridge Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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