Lorain County property record for 39245 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,980 sqft · built 1964 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,930 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-005-107-019 |
| Primary APN | 10-00-005-107-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| 2nd Floor Area | 880 sqft |
| Upper Floors Area | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 201 ft deep x 79 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Patio Area | 135 sqft |
| Heating System | HVAC |
|---|
| Street Address | 39245 CHESTNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-8239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEMERE 3 80 X 200 |
| Legal Subdivision | ROSEMERE 3 FRNT |
| Legal Block | 107 |
| Legal Lot Number | 41 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 71300 |
39245 Chestnut Ridge Rd is owned and occupied by an individual who acquired it in January 2018.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| 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 |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Jan 3, 2018 | Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Feb 27, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2018 |
| Deed Sale | Jan 3, 2018 |
| Prior Sale | Feb 27, 2017 |
| Deed Document Number | 2018090016 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| Document Number | 0000872227 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022-0872227 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 309 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 3, 2018 |
| Property Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| Document Number | 0000657032 |
| Map Reference | VOL 20 PG 22 |
| Instrument Date | Dec 27, 2017 |
| Instrument | 2018-0657032 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | OMEGA TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| Document Number | 0000657033 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 2018-0657033 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 27, 2017 |
| Property Address | 39245 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8239 |
| Document Number | 0000620357 |
| Instrument Date | Feb 16, 2017 |
| Instrument | 620357 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 39245 Chestnut Ridge Rd was $2,930.
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Carlisle Township |
| Unified School District | Midview Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,930.00 | $63,820 (%) Land $9,260 Building $54,560 | $182,350 (-) Land $26,470 Building $155,880 |
| 2024 | $2,930.00 (+4.83%) | $63,823 (+23.94%) Land $9,265 Building $54,558 | $182,350 (+23.94%) Land $26,470 Building $155,880 |
| 2023 | $2,795.00 (+7.21%) | $51,496 (-0.01%) Land $9,419 Building $42,077 | $147,130 Land $26,910 Building $120,220 |
| 2022 | $2,607.00 | $51,500 Land $9,420 Building $42,080 | |
| 2021 | $147,130 Land $26,910 Building $120,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39245 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 39245 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 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 | RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| 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 | 2 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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