42099 N Ridge Rd, Elyria, OH 44035 Property Records

Lorain County property record for 42099 N Ridge Rd, Elyria, OH 44035

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,139 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Mar 2022)
Tax Bill	$1,664 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-22-018-101-010`

Property Details

APN / Parcel Number

Primary APN	`06-22-018-101-010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,139 sqft Living Area
Gross Area	1,187 sqft
1st Floor Area	1,139 sqft
Basement Area	1,139 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	148 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	98 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	42099 N RIDGE RD
City	ELYRIA
State	OH
Zip	44035-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILBUR HTS VAC ALLEY 60 X 148
Legal Subdivision	WILBUR HTS VAC ALLEY
Legal Tract	22
Legal Block	101
Legal Lot Number	34
Jurisdiction	LORAIN OH
Township / Civil Division	ELYRIA
Census Block Group	1
Census Block	1019
Census Tract	70200

Owner

42099 N Ridge Rd is owned and occupied by two individuals who bought it in March 2022.

Source: Lorain County records, as of June 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 1, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 8, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 21, 2022	Survivorship Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY
Oct 9, 2020	Grant Deed, Transfer SERVICELINK EAST ESCROW
Oct 20, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Oct 9, 2020 · Amount on File
Deed Document Number	2022867597
Prior Transfer Date	Dec 23, 2009
Prior Transfer Doc	0000321679
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jun 1, 2026
Property Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Document Number	0000097909
Instrument Date	May 1, 2026
Instrument	202697909
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127

Mortgage

Document Number	0000097909,
Date	Jun 1, 2026
Instrument	202697909

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Apr 1, 2052

Interest

Rate	6.46%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Transaction Type	Mortgage
Record Updated	May 16, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127

Mortgage

Document Number	0000012408
Date	May 8, 2024
Instrument	2024-0012408

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Apr 1, 2052

March 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 21, 2022
Property Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Document Number	0000867597
Map Reference	VOL 5 PG 13
Instrument Date	Mar 11, 2022
Instrument	2022-0867597
Transaction Type	Transfer
Record Updated	Mar 29, 2022
Title Company	NORTHERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127

Mortgage

Document Number	0000867598
Date	Mar 21, 2022
Instrument	2022-0867598

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 9, 2020
Property Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Document Number	0000782982
Instrument Date	Sep 15, 2020
Instrument	782982
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	SERVICELINK EAST ESCROW

Transaction

Amount	Amount on Record
Tax	$74.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	42099 N RIDGE RD ELYRIA OH 440351127, ELYRIA, OH 44035-1127

October 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 20, 2017
Property Address	42099 N RIDGE RD, ELYRIA, OH 44035-1127
Document Number	0000648759
Instrument Date	Oct 13, 2017
Instrument	648759
Transaction Type	Foreclosure
Record Updated	Dec 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$303.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	42099 N RIDGE RD ELYRIA OH 440351127, ELYRIA, OH 44035-1127
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 42099 N Ridge Rd was $1,664 with a homeowner's exemption, down 0.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Elyria Township
Unified School District	Elyria City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,664.00 (-0.3%) Homeowner's exemption	$30,240 (-) Land $5,930 Building $24,310	$86,400 (-) Land $16,950 Building $69,450
2024	$1,669.00 (+2.08%)	$30,240 (+19.12%) Land $5,933 Building $24,308	$86,400 (+19.12%) Land $16,950 Building $69,450
2023	$1,635.00 (-19.06%)	$25,386 (+0.02%) Land $7,102 Building $18,284	$72,530 Land $20,290 Building $52,240
2022	$2,020.00	$25,380 Land $7,100 Building $18,280
2021			$72,530 Land $20,290 Building $52,240

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 42099 N Ridge Rd in Zone X, an area of minimal flood risk.

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	6 in force

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

The area around 42099 N Ridge Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Breezeline, Brightspeed.

Nearby Properties on N Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures