12960 Gifford Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 12960 Gifford Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,683 sqft · built 2003
Lot Size	6.96 acres (303,613 sqft)
Owner	2 Individual Names on File
Last Sale	$69,500 (Jul 2003)
Tax Bill	$5,102 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-13-014-000-011`

Property Details

APN / Parcel Number

Primary APN	`08-13-014-000-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,683 sqft Living Area
1st Floor Area	1,683 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	303,613 sqft (6.96 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	159 sqft
Patio Area	104 sqft
Pole Barn	2,240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	12960 GIFFORD RD
City	OBERLIN
State	OH
Zip	44074-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -005
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

12960 Gifford Rd is owned by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	15405 SOUTH ST, WAKEMAN, OH 44889-9637
Owner Type	Individual

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
Nov 29, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 29, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
May 25, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
May 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2003 · Amount on File
Deed Sale	Jul 1, 2003 · Amount on File
Prior Sale	Nov 5, 2002
Deed Document Number	2003003803
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000851389
Date	Nov 29, 2021
Instrument	2021-0851389

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000851526
Date	Nov 30, 2021
Instrument	2021-0851526

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210851526
Date	Nov 30, 2021
Instrument	2021-0851526

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210851389
Date	Nov 29, 2021
Instrument	2021-0851389

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Document Number	0000676297
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12960 GIFFORD RD OBERLIN OH 440749621, OBERLIN, OH 44074-9621

Mortgage

Document Number	0000676297
Date	Jun 15, 2018
Instrument	676297

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2048

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	12960 GIFFORD RD, OBERLIN, OH 44074-9621
Document Number	0000674248
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	THIRD CAPITAL TITLE, THIRD CAP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12960 GIFFORD RD OBERLIN OH 440749621, OBERLIN, OH 44074-9621

Mortgage

Document Number	0000674248
Date	May 31, 2018
Instrument	674248

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 30, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 12960 Gifford Rd was $5,102.

Source: Lorain County assessment roll, as of August 1, 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	$5,102.00	$115,120 (-0.01%) Land $32,360 Building $82,760	$328,940 (-) Land $92,470 Building $236,470
2024	$5,102.00 (+1.92%)	$115,130 (+14.08%) Land $32,365 Building $82,765	$328,940 (+14.08%) Land $92,470 Building $236,470
2023	$5,006.00 (+3.49%)	$100,916 (%) Land $30,111 Building $70,805	$288,330 Land $86,030 Building $202,300
2022	$4,837.00	$100,920 Land $30,110 Building $70,810
2021			$288,330 Land $86,030 Building $202,300

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

Flood

FEMA maps place 12960 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 12960 Gifford Rd is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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

Nearby Properties on Gifford Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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