130 Smith St, Oberlin, OH 44074 Property Records

Lorain County property record for 130 Smith St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 2002
Lot Size	0.619 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Mar 2021)
Tax Bill	$3,239 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-096-111-014`

Property Details

APN / Parcel Number

Primary APN	`09-00-096-111-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	27,007 sqft (0.619 acres)
Lot Dimensions	453 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	130 SMITH ST
City	OBERLIN
State	OH
Zip	44074-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60.00 X 453.00
Legal Subdivision	RUSSIA TOWNSHIP
Legal Block	111
Legal Lot Number	96
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3020
Census Tract	60100

Owner

130 Smith St is owned and occupied by an individual who bought it in March 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	130 SMITH ST, OBERLIN, OH 44074-1723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2021 · Amount on File
Deed Sale	Mar 12, 2021 · Amount on File
Prior Sale	Dec 28, 1998 · Amount on File
Deed Document Number	2021001353
Record Updated	Jun 8, 2026

March 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 12, 2021
Property Address	130 SMITH ST, OBERLIN, OH 44074-1723
Document Number	20210807140
Map Reference	VOL 223 PG 390
Instrument Date	Mar 11, 2021
Instrument	2021-0807140
Transaction Type	Transfer
Record Updated	Jul 12, 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
Relationship	Right of Survivorship
Address	130 SMITH ST, OBERLIN, OH 44074-1723

Mortgage

Document Number	20210807141
Date	Mar 12, 2021
Instrument	2021-0807141

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 130 Smith St was $3,239.

Source: Lorain County assessment roll, as of August 1, 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	$3,239.00	$68,340 (+%) Land $8,530 Building $59,810	$195,250 (-) Land $24,360 Building $170,890
2024	$3,239.00 (+14.41%)	$68,338 (+33.18%) Land $8,526 Building $59,812	$195,250 (+33.18%) Land $24,360 Building $170,890
2023	$2,831.00 (+2.76%)	$51,314 (-0.01%) Land $4,169 Building $47,145	$146,610 Land $11,910 Building $134,700
2022	$2,755.00	$51,320 Land $4,170 Building $47,150
2021			$146,610 Land $11,910 Building $134,700

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 130 Smith St 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	1 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

Wildfire risk around 130 Smith St 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 93% of the US · lower than 68% 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 79 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