191 E Lorain St, #A, Oberlin, OH 44074 Property Records

Lorain County property record for 191 E Lorain St, #A, Oberlin, OH 44074

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 3,660 sqft · built 1900
Lot Size	0.56 acres (24,394 sqft)
Owner	Owner Name on Record
Tax Bill	$8,172 (2024)
Deeds & Mortgages	Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00-086-109-013`

Property Details

APN / Parcel Number

Primary APN	`09-00-086-109-013`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,660 sqft Total Area
1st Floor Area	3,800 sqft
2nd Floor Area	1,360 sqft
Upper Floors Area	2,176 sqft
Attic Area	1,456 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Two-Family
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	264 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	800 sqft
Deck Area	48 sqft
Patio Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	191 E LORAIN ST # A, A
City	OBERLIN
State	OH
Zip	44074-1211
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	FRNT 0082.50
Legal Subdivision	OBERLIN
Legal Block	109
Legal Lot Number	11
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2001
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	Owner Name on Record
Mailing Address	191 E LORAIN ST, OBERLIN, OH 44074-1211
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 28, 2009
Transfer Doc	0000304127
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	191 E LORAIN ST # A, A, OBERLIN, OH 44074-1211
Document Number	0000661166
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 E LORAIN ST OBERLIN OH 440741211, OBERLIN, OH 44074-1211

Mortgage

Document Number	0000661166
Date	Feb 9, 2018
Instrument	661166

Lender

Name	OHIO EDUCATIONAL CU
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 8, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2024

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
2024	$8,172.00 (+121.82%)	$165,242 (+149.18%) Land $9,408 Building $155,834	$472,120 (+149.18%) Land $26,880 Building $445,240
2023	$3,684.00 (+2.7%)	$66,315 (-0.01%) Land $7,119 Building $59,196	$189,470 (-) Land $20,340 Building $169,130
2022	$3,587.00	$66,320 Land $7,120 Building $59,200
2021			$189,470 Land $20,340 Building $169,130

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	2 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · rainfall accumulation

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 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 329 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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