Lorain County property record for 40728 Butternut Ridge Rd, Elyria, OH 44035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,594 sqft · built 1997 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $252,000 (Sep 2013) |
| Tax Bill | $2,454 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Oct 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-013-000-217 |
| Primary APN | 10-00-013-000-217 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,594 sqft Living Area |
| Gross Area | 3,299 sqft |
| 1st Floor Area | 1,186 sqft |
| Basement Area | 1,186 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 294 ft deep x 116 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Stoop |
|---|---|
| Porch Area | 105 sqft |
| Deck Area | 342 sqft |
| Patio Area | 105 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 40728 BUTTERNUT RIDGE RD |
|---|---|
| City | ELYRIA |
| State | OH |
| Zip | 44035-7916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEROY FORTHOFER SUB 2 116 X 294.54 |
| Legal Subdivision | LEROY FORTHOFER SUB 2 |
| Legal Lot Number | 16 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | CARLISLE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 77100 |
40728 Butternut Ridge Rd is owned and occupied by two individuals who acquired it in February 2024.
Source: Lorain County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Oct 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 15, 2024 | Transfer on Death Deed, Transfer |
| Feb 15, 2024 | Individual Deed, Transfer |
| Aug 11, 2020 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2013 · Amount on File |
| Deed Sale | Sep 6, 2013 · Amount on File |
| Prior Sale | Nov 15, 2002 · Amount on File |
| Deed Document Number | 2013477803 |
| Last Transfer Date | Feb 14, 2024 |
| Transfer Doc | 0000004137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Oct 7, 2026 |
| Property Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000114552 |
| Instrument Date | Oct 1, 2026 |
| Instrument | 2026114552 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000114552, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 2026114552 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 6, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000932002 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 2023-0932002 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2043 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 15, 2024 |
| Property Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000004138 |
| Map Reference | VOL 45 PG 42 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2024-0004138 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Type | Individual Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 15, 2024 |
| Property Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000004137 |
| Map Reference | VOL 45 PG 42 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2024-0004137 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 40728 BUTTERNUT RIDGE RD, ELYRIA, OH 44035-7916 |
| Document Number | 0000774851 |
| Instrument Date | Aug 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 40728 BUTTERNUT RIDGE RD ELYRIA OH 440357916, ELYRIA, OH 44035-7916 |
| Document Number | 0000774851 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 774851 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2050 |
The 2025 property tax bill for 40728 Butternut Ridge Rd was $2,454, down 27.4% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Carlisle Township |
| Unified School District | Keystone Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,454.00 (-27.44%) | $103,280 (%) Land $14,580 Building $88,700 | $295,100 (-) Land $41,660 Building $253,440 |
| 2024 | $3,382.00 (+6.55%) | $103,285 (+24.28%) Land $14,581 Building $88,704 | $295,100 (+24.28%) Land $41,660 Building $253,440 |
| 2023 | $3,174.00 (-0.47%) | $83,105 (+0.01%) Land $14,172 Building $68,933 | $237,440 Land $40,490 Building $196,950 |
| 2022 | $3,189.00 | $83,100 Land $14,170 Building $68,930 | |
| 2021 | $237,440 Land $40,490 Building $196,950 |
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 40728 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 risk around 40728 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 94% of the US · lower than 74% 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 | 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 24 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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