12772 Gifford Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 12772 Gifford Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,352 sqft · built 1965
Lot Size	2.67 acres (116,305 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (May 2009)
Tax Bill	$4,007 (2025)
Deeds & Mortgages	Aug 2026 Transfer Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-13-014-000-018`

Property Details

APN / Parcel Number

Primary APN	`08-13-014-000-018`
Alternative APN	`016524-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	3,672 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	116,305 sqft (2.67 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Patio Area	40 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Account Number	016524-0
Street Address	12772 GIFFORD RD
City	OBERLIN
State	OH
Zip	44074-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -009 & -016
Legal Subdivision	HENRIETTA 13
Legal Lot Number	14
Jurisdiction	LORAIN OH
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2014
Census Tract	92100

Owner

12772 Gifford Rd is owned and occupied by two individuals who acquired it in August 2026.

Source: Lorain County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12772 GIFFORD RD, OBERLIN, OH 44074-9621
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2009 · Amount on File
Deed Sale	May 19, 2009 · Amount on File
Deed Document Number	2009295884
Last Transfer Date	Aug 26, 2026
Transfer Doc	0000109274
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 27, 2026
Property Address	12772 GIFFORD RD, OBERLIN, OH 44074-9621
Document Number	0000109274
Instrument Date	Aug 26, 2026
Instrument	2026109274
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	12772 GIFFORD RD, OBERLIN, OH 44074-9621

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12772 GIFFORD RD, OBERLIN, OH 44074-9621
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12772 GIFFORD RD, OBERLIN, OH 44074-9621

Mortgage

Document Number	0000909138
Date	Mar 13, 2023
Instrument	2023-0909138

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12772 Gifford Rd was $4,007.

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	$4,007.00	$94,230 (+%) Land $19,950 Building $74,280	$269,220 (-) Land $57,000 Building $212,220
2024	$4,007.00 (+18.2%)	$94,227 (+35.61%) Land $19,950 Building $74,277	$269,220 (+35.61%) Land $57,000 Building $212,220
2023	$3,390.00 (+3.57%)	$69,486 (-0.01%) Land $19,516 Building $49,970	$198,530 Land $55,760 Building $142,770
2022	$3,273.00	$69,490 Land $19,520 Building $49,970
2021			$198,530 Land $55,760 Building $142,770

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 12772 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 12772 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 96% of the US · lower than 81% 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.

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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