Lorain County property record for 39056 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,144 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jan 2026) |
| Tax Bill | $1,589 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-101-052 |
| Primary APN | 10-00-005-101-052 |
|---|
| 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 |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 145 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 105 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 39056 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHESTNUT RIDGE HTS SUB 1 70.46 X 148.55 |
| Legal Subdivision | CHESTNUT RIDGE HTS SUB 1 |
| Legal Block | 101 |
| Legal Lot Number | 30 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | ELYRIA |
| Census Block Group | 1 |
| Census Block | 1012 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 5, 2026 | Warranty Deed, Transfer · FHA Mortgage UNION CAPITAL MORTGAGE CORP |
| Jan 5, 2026 | Affidavit of Death of Joint Tenant, Transfer |
| Dec 2, 2022 | Transfer on Death Deed, Transfer |
| Nov 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 4, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2026 · Amount on Record |
| Deed Sale | Jan 5, 2026 · Amount on Record |
| Deed Document Number | 202681046 |
| Prior Transfer Date | Jan 2, 2026 |
| Prior Transfer Doc | 0000081045 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000859599 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2022-0859599 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 5, 2026 |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000081046 |
| Map Reference | VOL 29 PG 70&71 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2026-0081046 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Title Company | NEW LAND TITLE AGENCY, NEWMAN TITLE AGENCY |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000081047 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 2026-0081047 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 5, 2026 |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000081045 |
| Map Reference | VOL 29 PG 70&71 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2026-0081045 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 2, 2022 |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000900200 |
| Map Reference | VOL 29 PG 70&71 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2022-0900200 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000788644 |
| Instrument Date | Nov 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39056 CHESTNUT RIDGE RD ELYRIA OH 440358242, ELYRIA, OH 44035-8242 |
| Document Number | 0000788644 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 788644 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 12, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 4, 2017 |
| Property Address | 39056 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8242 |
| Document Number | 0000614161 |
| Instrument Date | Dec 31, 2016 |
| Instrument | 614161 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 39056 CHESTNUT RIDGE RD ELYRIA OH 440358242, ELYRIA, OH 44035-8242 |
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 | $1,589.00 (-24.98%) | $54,560 (-0.01%) Land $14,010 Building $40,550 | $155,900 (-) Land $40,040 Building $115,860 |
| 2024 | $2,118.00 (+29.78%) | $54,565 (+39.46%) Land $14,014 Building $40,551 | $155,900 (+39.46%) Land $40,040 Building $115,860 |
| 2023 | $1,632.00 (-1.03%) | $39,127 (-0.01%) Land $10,798 Building $28,329 | $111,790 (-) Land $30,850 Building $80,940 |
| 2022 | $1,649.00 | $39,130 Land $10,800 Building $28,330 | |
| 2021 | $111,790 Land $30,850 Building $80,940 |
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 | 2 in force |
| Nearby Flood Claims | 2 (2006–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2014 · other causes |
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 99.1% of the US · lower than 96% 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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