40120 Butternut Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 40120 Butternut Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,341 sqft · built 1950
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Jun 2013)
Tax Bill	$3,727 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-00-014-000-007`

Property Details

APN / Parcel Number

Primary APN	`10-00-014-000-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,341 sqft Living Area
Gross Area	1,593 sqft
1st Floor Area	1,393 sqft
Basement Area	1,393 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Detached
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	305 sqft
Patio Area	36 sqft
Canopy	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	40120 BUTTERNUT RIDGE RD
City	ELYRIA
State	OH
Zip	44035-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAND CONTRACT 8/20/12- NOT RECORDED
Legal Subdivision	LAND CONTRACT
Jurisdiction	LORAIN OH
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2003
Census Tract	77100

Owner

40120 Butternut Ridge Rd is owned and occupied by an individual who bought it in June 2013.

Source: Lorain County records, as of August 3, 2026

Owner of Record	Individual Name on File
Mailing Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING LLC
Oct 8, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2013 · Amount on File
Deed Sale	Jun 3, 2013 · Amount on File
Prior Sale	Aug 27, 2012 · Amount on File
Deed Document Number	2013463848
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jul 22, 2026
Property Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904
Document Number	0000104450
Instrument Date	Jul 17, 2026
Instrument	2026104450
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904

Mortgage

Document Number	0000104450,
Date	Jul 22, 2026
Instrument	2026104450

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904

Mortgage

Document Number	0000084969
Date	Feb 17, 2026
Instrument	2026-0084969

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 5, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904
Transaction Type	Mortgage
Record Updated	Nov 4, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40120 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7904

Mortgage

Document Number	20200782606
Date	Oct 8, 2020
Instrument	2020-0782606

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 40120 Butternut Ridge Rd was $3,727 with a homeowner's exemption.

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Carlisle Township
Unified School District	Midview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,727.00 Homeowner's exemption	$85,750 (%) Land $14,280 Building $71,470	$245,010 (-) Land $40,810 Building $204,200
2024	$3,727.00 (+21.4%)	$85,754 (+37.87%) Land $14,284 Building $71,470	$245,010 (+37.87%) Land $40,810 Building $204,200
2023	$3,070.00 (+0.33%)	$62,199 (%) Land $17,164 Building $45,035	$177,710 Land $49,040 Building $128,670
2022	$3,060.00	$62,200 Land $17,160 Building $45,040
2021			$177,710 Land $49,040 Building $128,670

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.

Flood

FEMA maps place 40120 Butternut Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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	3 (1995–2014)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 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.

Wildfire

Wildfire risk around 40120 Butternut 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 98% of the US · lower than 90% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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