188 E Hamilton St, Oberlin, OH 44074 Property Records

Lorain County property record for 188 E Hamilton St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,032 sqft · built 1951
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$93,000 (Jun 2017)
Tax Bill	$2,037 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-096-113-097`

Property Details

APN / Parcel Number

Primary APN	`09-00-096-113-097`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,032 sqft Living Area

Exterior

Year Built	Built 1951
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	270 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Patio Area	68 sqft
Canopy	68 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	188 E HAMILTON ST
City	OBERLIN
State	OH
Zip	44074-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75 X 300
Legal Subdivision	ORIGINAL RUSSIA TOWNSHIP
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3025
Census Tract	60100

Owner

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	188 E HAMILTON ST, OBERLIN, OH 44074-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Warranty Deed, Transfer · Conventional with PMI ALLY BK
Jun 16, 2017	Deed, Transfer · Conventional Mortgage UNION CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	0000633345
Last Transfer Date	Nov 6, 2020
Transfer Doc	0000787522
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 6, 2020
Property Address	188 E HAMILTON ST, OBERLIN, OH 44074-1704
Document Number	0000787522
Instrument Date	Nov 5, 2020
Instrument	787522
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E ILAMILTON ST OBERLIN OH 44074, OBERLIN, OH 44074

Mortgage

Document Number	787523
Date	Nov 6, 2020
Instrument	787523

Lender

Name	ALLY BK
Type	Bank
Address	CHARLOTTE, NC 28202-2028

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 16, 2017
Property Address	188 E HAMILTON ST, OBERLIN, OH 44074-1704
Document Number	0000633345
Map Reference	VOL 426 PG 230
Instrument Date	Jun 15, 2017
Instrument	2017-0633345
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E HAMILTON ST, OBERLIN, OH 44074-1704

Mortgage

Document Number	0000633346
Date	Jun 16, 2017
Instrument	2017-0633346

Lender

Name	UNION CAPITAL MORTGAGE CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,037.00	$42,350 (+0.01%) Land $9,330 Building $33,020	$120,990 (-) Land $26,650 Building $94,340
2024	$2,037.00 (+10.47%)	$42,347 (+28.69%) Land $9,328 Building $33,019	$120,990 (+28.69%) Land $26,650 Building $94,340
2023	$1,844.00 (+2.73%)	$32,907 (-0.01%) Land $9,121 Building $23,786	$94,020 (-) Land $26,060 Building $67,960
2022	$1,795.00	$32,910 Land $9,120 Building $23,790
2021			$94,020 Land $26,060 Building $67,960

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	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 67 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
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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