12538 Gifford Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 12538 Gifford Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1950
Lot Size	1 acres (43,560 sqft)
Owner	2 Trust Names on File
Last Sale	$146,800 (Oct 2021)
Tax Bill	$3,173 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-13-007-000-006`

Property Details

APN / Parcel Number

Primary APN	`08-13-007-000-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,392 sqft
Basement Area	1,273 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	192 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12538 GIFFORD RD
City	OBERLIN
State	OH
Zip	44074-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OL 7 1.00 AC
Legal Subdivision	HENRIETTA
Legal Tract	13
Legal Lot Number	13
Jurisdiction	LORAIN OH
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2014
Census Tract	92100

Owner

12538 Gifford Rd is held in a trust since May 2024.

Source: Lorain County records, as of January 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	12576 GIFFORD RD, OBERLIN, OH 44074-9621
Owner Type	Company
Vesting	Trust

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 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Oct 22, 2009 · Amount on File
Deed Document Number	2021846625
Last Transfer Date	May 9, 2024
Transfer Doc	0000013895
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 28, 2021
Property Address	12538 GIFFORD RD, OBERLIN, OH 44074-9621
Document Number	20210846625
Instrument Date	Oct 26, 2021
Instrument	2021-0846625
Transaction Type	Transfer
Record Updated	Nov 8, 2021

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
Address	12538 GIFFORD RD, OBERLIN, OH 44074-9621

Mortgage

Document Number	20210846626
Date	Oct 28, 2021
Instrument	2021-0846626

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12538 Gifford Rd was $3,173.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,173.00	$71,180 (+0.01%) Land $14,710 Building $56,470	$203,350 (-) Land $42,020 Building $161,330
2024	$3,173.00 (+21.34%)	$71,173 (+36.12%) Land $14,707 Building $56,466	$203,350 (+36.12%) Land $42,020 Building $161,330
2023	$2,615.00 (+3.48%)	$52,287 (+0.01%) Land $14,973 Building $37,314	$149,390 Land $42,780 Building $106,610
2022	$2,527.00	$52,280 Land $14,970 Building $37,310
2021			$149,390 Land $42,780 Building $106,610

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 12538 Gifford Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2008.

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	10 (2008–2023)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Aug 2023 · river or lake flooding

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 12538 Gifford 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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