Lorain County property record for 39422 Chestnut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1954 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Sep 2026) |
| Tax Bill | $2,735 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017438-8 |
| Primary APN | 017438-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 2,937 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 30,928 sqft (0.71 acres) |
| Lot Dimensions | 199 ft deep x 135 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Patio Area | 231 sqft |
| Canopy | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 017438-8 |
|---|---|
| Street Address | 39422 CHESTNUT RIDGE RD |
| City | ELYRIA |
| State | OH |
| Zip | 44035-8764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AC CORR 10/18/13 #13-02825 |
| Legal Block | 104 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 71202 |
Source: Lorain County records, as of October 13, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Sep 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK |
| Aug 8, 2022 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 16, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FED'L S&L ASSN/LORAIN |
| Apr 16, 2019 | Grant Deed, Transfer · Line of Credit FIRST FED'L S&L ASSN/LORAIN |
| Nov 16, 2018 | Warranty Deed, Transfer REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on Record |
| Deed Sale | Sep 28, 2026 · Amount on Record |
| Prior Sale | Apr 16, 2019 · Amount on Record |
| Deed Document Number | 2026113152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 28, 2026 |
| Property Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Document Number | 0000113152 |
| Instrument Date | Sep 24, 2026 |
| Instrument | 2026113152 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | E TITLE LLC, E TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Document Number | 0000113153, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 2026113153 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000886555 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 2022-0886555 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Document Number | 0000727046 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39422 CHESTNUT RIDGE RD ELYRIA OH 440358764, ELYRIA, OH 44035-8764 |
| Document Number | 0000727046 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 727046 |
| Name | FIRST FED'L S&L ASSN/LORAIN |
|---|---|
| Address | LORAIN, OH 44053 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 20, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 16, 2019 |
| Property Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Document Number | 0000711161 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 711161 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $236.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 39422 CHESTNUT RIDGE RD ELYRIA OH 440358764, ELYRIA, OH 44035-8764 |
| Document Number | 711162 |
|---|---|
| Date | Apr 16, 2019 |
| Instrument | 711162 |
| Name | FIRST FED'L S&L ASSN/LORAIN |
|---|---|
| Address | LORAIN, OH 44053 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Nov 16, 2018 |
| Property Address | 39422 CHESTNUT RIDGE RD, ELYRIA, OH 44035-8764 |
| Document Number | 0000695314 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 695314 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2018 |
| Title Company | REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $188.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39422 CHESTNUT RIDGE RD ELYRIA OH 440358764, ELYRIA, OH 44035-8764 |
Source: Lorain County assessment roll, as of May 16, 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 | $2,735.00 | $57,220 (+0.01%) Land $12,570 Building $44,650 | $163,470 (-) Land $35,910 Building $127,560 |
| 2024 | $2,735.00 (+6.09%) | $57,215 (+19.75%) Land $12,569 Building $44,646 | $163,470 (+19.75%) Land $35,910 Building $127,560 |
| 2023 | $2,578.00 (+8.18%) | $47,779 (%) Land $12,779 Building $35,000 | $136,510 (-) Land $36,510 Building $100,000 |
| 2022 | $2,383.00 | $47,780 Land $12,780 Building $35,000 | |
| 2021 | $136,510 Land $36,510 Building $100,000 |
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 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 | 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 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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