12 Monroe Ct, Oberlin, OH 44074 Property Records

Lorain County property record for 12 Monroe Ct, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1972
Lot Size	0.32 acres (12,481 sqft)
Owner	2 Individual Names on File
Last Sale	$84,600 (Oct 1996)
Tax Bill	$1,595 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00-095-103-057`

Property Details

APN / Parcel Number

Primary APN	`09-00-095-103-057`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
Gross Area	2,310 sqft
1st Floor Area	1,588 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,481 sqft (0.32 acres)
Lot Dimensions	166 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	362 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	12 MONROE CT
City	OBERLIN
State	OH
Zip	44074-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CABBS RESUB PT FAL 2ND A FRNT 0075.00 DPTH 0166.41
Legal Subdivision	CABBS RESUB PT FAL 2ND A
Legal Block	103
Legal Lot Number	42
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3024
Census Tract	60200

Owner

12 Monroe Ct is owned and occupied by two individuals who bought it in October 1996.

Source: Lorain County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 MONROE CT, OBERLIN, OH 44074-1825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1996 · Amount on File
Deed Sale	Oct 1, 1996 · Amount on File
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12 MONROE CT, OBERLIN, OH 44074-1825
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	GUARDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210833479
Date	Aug 11, 2021
Instrument	2021-0833479

Lender

Name	THE OHIO EDUCATIONAL CU INC
Type	Credit Union
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 10, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12 Monroe Ct was $1,595 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Oberlin City
Unified School District	Oberlin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,595.00 Homeowner's exemption	$53,590 (+0.01%) Land $10,500 Building $43,090	$153,100 (-) Land $30,000 Building $123,100
2024		$53,585 (+18.16%) Land $10,500 Building $43,085	$153,100 (+18.16%) Land $30,000 Building $123,100
2023	$2,511.00 (-2.14%)	$45,350 (-) Land $9,986 Building $35,364	$129,570 Land $28,530 Building $101,040
2022	$2,566.00	$45,350 Land $9,990 Building $35,360
2021			$129,570 Land $28,530 Building $101,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Monroe Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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	4 (2004–2019)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2019 · 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

Wildfire risk around 12 Monroe Ct 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OBERLIN WATER DEPARTMENT serves 8,600 people · EPA ID OH4700911
Water Source	Surface water
Last State Inspection	Mar 2026
Also Mapped Here	RURAL LORAIN CO. WATER A
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2024 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cable Co-op Cable · Fiber in parts of the area	1,000 / 50
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20