16 Thomas St, Oberlin, OH 44074 Property Records

Lorain County property record for 16 Thomas St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,756 sqft · built 1964
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-088-101-008`

Property Details

APN / Parcel Number

Primary APN	`09-00-088-101-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,756 sqft Living Area
1st Floor Area	892 sqft
2nd Floor Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1969
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	16 THOMAS ST
City	OBERLIN
State	OH
Zip	44074-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MURPHY SUB FRNT 0070.00 DPTH 0150.00
Legal Subdivision	MURPHY SUB FRNT
Legal Block	101
Legal Lot Number	7
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3007
Census Tract	60100

Owner

16 Thomas St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	16 THOMAS ST, OBERLIN, OH 44074-1309
Occupancy	Owner Occupied
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
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jun 7, 2018	Deed of Trust, Mortgage · Line of Credit NORTHWEST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	16 THOMAS ST, OBERLIN, OH 44074-1309
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000813741
Date	Apr 22, 2021
Instrument	2021-0813741

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	16 THOMAS ST, OBERLIN, OH 44074-1309
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210813741
Date	Apr 22, 2021
Instrument	2021-0813741

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	16 THOMAS ST, OBERLIN, OH 44074-1309
Document Number	0000676675
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 THOMAS ST OBERLIN OH 440741309, OBERLIN, OH 44074-1309

Mortgage

Document Number	0000676675
Date	Jun 19, 2018
Instrument	676675

Lender

Name	NORTHWEST BK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 18, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 16 Thomas St was $2,554.

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	$2,554.00	$74,320 (+0.01%) Land $10,780 Building $63,540	$212,330 (-) Land $30,800 Building $181,530
2024	$2,554.00 (-3.11%)	$74,316 (+30.73%) Land $10,780 Building $63,536	$212,330 (+30.73%) Land $30,800 Building $181,530
2023	$2,636.00 (+1.85%)	$56,848 (%) Land $10,112 Building $46,736	$162,420 Land $28,890 Building $133,530
2022	$2,588.00	$56,850 Land $10,110 Building $46,740
2021			$162,420 Land $28,890 Building $133,530

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

Flood

FEMA maps place 16 Thomas St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

The area around 16 Thomas St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 120 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

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