170 Morgan St, Oberlin, OH 44074 Property Records

Lorain County property record for 170 Morgan St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,062 sqft · built 1881
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$183,000 (Jul 2002)
Tax Bill	$4,280 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00-085-109-019`

Property Details

APN / Parcel Number

Primary APN	`09-00-085-109-019`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,062 sqft Living Area
1st Floor Area	1,522 sqft
2nd Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1940
Architectural Style	Two-Family
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	203 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	318 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	170 MORGAN ST
City	OBERLIN
State	OH
Zip	44074-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WRIGHT 99 X 203.25 S/L 28
Legal Subdivision	W W WRIGHTS ADDITION
Legal Block	109
Legal Lot Number	28
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2017
Census Tract	60200

Owner

170 Morgan St is owned and occupied by two individuals who bought it in July 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	170 MORGAN ST, OBERLIN, OH 44074-1514
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
Jul 7, 2023	Transfer on Death Deed, Transfer
Jan 10, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2002 · Amount on File
Deed Sale	Jul 11, 2002 · Amount on File
Prior Sale	Apr 7, 1998 · Amount on File
Deed Document Number	841588
Record Updated	Jun 8, 2026

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 7, 2023
Property Address	170 MORGAN ST, OBERLIN, OH 44074-1514
Document Number	0000921489
Map Reference	VOL 1 PG 31
Instrument Date	Jul 6, 2023
Instrument	2023-0921489
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 MORGAN ST, OBERLIN, OH 44074-1514

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	170 MORGAN ST, OBERLIN, OH 44074-1514
Document Number	0000702857
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Feb 12, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	170 MORGAN ST OBERLIN OH 440741514, OBERLIN, OH 44074-1514

Mortgage

Document Number	0000702857
Date	Feb 1, 2019
Instrument	702857

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	Jan 31, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 170 Morgan St was $4,280.

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	$4,280.00	$90,840 (+%) Land $23,700 Building $67,140	$259,540 (-) Land $67,720 Building $191,820
2024	$4,280.00 (+33.71%)	$90,839 (+56.03%) Land $23,702 Building $67,137	$259,540 (+56.03%) Land $67,720 Building $191,820
2023	$3,201.00 (+2.76%)	$58,219 (%) Land $13,923 Building $44,296	$166,340 Land $39,780 Building $126,560
2022	$3,115.00	$58,220 Land $13,920 Building $44,300
2021			$166,340 Land $39,780 Building $126,560

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 170 Morgan 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (2004–2012)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Oct 2012 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2004 · 3 claims

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 170 Morgan 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 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	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 159 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

May also be available: Spectrum.

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