Lorain County property record for 190 Smith St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,951 sqft · built 2000 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,018 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-096-111-046 |
| Primary APN | 09-00-096-111-046 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,951 sqft Living Area |
| 1st Floor Area | 1,504 sqft |
| 2nd Floor Area | 447 sqft |
| Attic Area | 552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 53,579 sqft (1.23 acres) |
| Lot Dimensions | 448 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 258 sqft |
| Patio Area | 258 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 190 SMITH ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM -026 & -025 |
| 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 |
190 Smith St is owned and occupied by two individuals who acquired it in March 2000.
Source: Lorain County records, as of March 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 190 SMITH ST, OBERLIN, OH 44074-1723 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2000 |
| Deed Sale | Mar 1, 2000 |
| Deed Document Number | 671199 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 190 SMITH ST, OBERLIN, OH 44074-1723 |
| Document Number | 0000723420 |
| Instrument Date | Jul 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2019 |
| Title Company | AMERICAN PATRIOT TITLE AGENCY, AMERICAN PATRIOT TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 190 SMITH ST OBERLIN OH 440741723, OBERLIN, OH 44074-1723 |
| Document Number | 0000723420 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 723420 |
| Name | AMERICAN MIDWEST MTG |
|---|---|
| Type | Mortgage Company |
| Address | PARMA HEIGHTS, OH 44130 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 24, 2029 |
The 2025 property tax bill for 190 Smith St was $4,018.
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 | $4,018.00 | $81,200 Land $13,220 Building $67,980 | $231,990 Land $37,760 Building $194,230 |
| 2023 | $4,473.00 (+2.69%) | $80,031 (+%) Land $12,509 Building $67,522 | $228,660 Land $35,740 Building $192,920 |
| 2022 | $4,356.00 | $80,030 Land $12,510 Building $67,520 | |
| 2021 | $228,660 Land $35,740 Building $192,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 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 190 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures