Lorain County property record for 174 Smith St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,008 sqft · built 1995 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $111,775 (Aug 2019) |
| Tax Bill | $2,501 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-096-111-023 |
| Primary APN | 09-00-096-111-023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 26,572 sqft (0.61 acres) |
| Lot Dimensions | 448 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 100 sqft |
| Patio Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 174 SMITH ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 60 X 448 |
| Legal Subdivision | RUSSIA |
| Legal Block | 111 |
| Legal Lot Number | 96 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 60100 |
Source: Lorain County records, as of March 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 23, 2022 | Transfer on Death Deed, Transfer |
| Aug 1, 2019 | Warranty Deed, Transfer · Line of Credit OHIO EDUCATIONAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2019 · Amount on Record |
| Deed Sale | Aug 1, 2019 · Amount on Record |
| Prior Sale | Oct 5, 2005 · Amount on Record |
| Deed Document Number | 2019004582 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Document Number | 0000019760 |
|---|---|
| Date | Jul 17, 2024 |
| Instrument | 2024-0019760 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 4, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 23, 2022 |
| Property Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Document Number | 0000876418 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022-0876418 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Aug 1, 2019 |
| Property Address | 174 SMITH ST, OBERLIN, OH 44074-1723 |
| Document Number | 0000724525 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 724525 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | ERIEVIEW TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $447.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 174 SMITH ST OBERLIN OH 440741723, OBERLIN, OH 44074-1723 |
| Document Number | 724526 |
|---|---|
| Date | Aug 1, 2019 |
| Instrument | 724526 |
| Name | OHIO EDUCATIONAL CU |
|---|---|
| Address | SEVEN HILLS, OH 44131 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Lorain County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Oberlin City |
| Unified School District | Oberlin City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,501.00 | $52,390 (+%) Land $8,530 Building $43,860 | $149,680 (-) Land $24,360 Building $125,320 |
| 2024 | $2,501.00 (+5.75%) | $52,388 (+22.88%) Land $8,526 Building $43,862 | $149,680 (+22.88%) Land $24,360 Building $125,320 |
| 2023 | $2,365.00 (+2.69%) | $42,634 (-0.01%) Land $8,337 Building $34,297 | $121,810 (-) Land $23,820 Building $97,990 |
| 2022 | $2,303.00 | $42,640 Land $8,340 Building $34,300 | |
| 2021 | $121,810 Land $23,820 Building $97,990 |
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.
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.
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.
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 |
| 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.
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 |
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