Lorain County property record for 189 Smith St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,404 sqft · built 1960 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-096-113-019 |
| Primary APN | 09-00-096-113-019 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 780 sqft |
| 2nd Floor Area | 624 sqft |
| Upper Floors Area | 624 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 309 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | 378 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Heating System | HVAC |
|---|
| Street Address | 189 SMITH ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OL96 |
| Legal Subdivision | RUSSIA |
| Legal Block | 113 |
| Legal Lot Number | 96 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 60100 |
189 Smith St is owned and occupied by two individuals.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| 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.
| Date | Document |
|---|---|
| Dec 19, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 12, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 12, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| Document Number | 0000901795 |
|---|---|
| Date | Dec 19, 2022 |
| Instrument | 2022-0901795 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| Document Number | 0000894723 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 2022-0894723 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 189 SMITH ST, OBERLIN, OH 44074-1722 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | OHIO REAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 20210817291 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2021-0817291 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 189 Smith St was $1,403.
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 | $1,403.00 | $49,430 Land $11,290 Building $38,140 | $141,220 Land $32,250 Building $108,970 |
| 2023 | $1,900.00 (+1.5%) | $43,134 (-0.01%) Land $11,039 Building $32,095 | $123,240 Land $31,540 Building $91,700 |
| 2022 | $1,872.00 | $43,140 Land $11,040 Building $32,100 | |
| 2021 | $123,240 Land $31,540 Building $91,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 189 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 risk around 189 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.
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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