Lorain County property record for 196 Forest St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,082 sqft · built 1900 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jan 2022) |
| Tax Bill | $2,951 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-085-108-051 |
| Primary APN | 09-00-085-108-051 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,082 sqft Living Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 944 sqft |
| Basement Area | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 113 ft deep x 62 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 254 sqft |
| Deck Area | 32 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 196 FOREST ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WRIGHTS ADD 62 X 113 |
| Legal Subdivision | WRIGHTS ADD |
| Legal Block | 108 |
| Legal Lot Number | 23&36 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 60200 |
Source: Lorain County records · APN 09-00-085-108-051
Assessment roll updated May 16, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 FOREST ST, OBERLIN, OH 44074-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jan 04, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Jan 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2022 · Amount on Record |
| Deed Sale | Jan 04, 2022 · Amount on Record |
| Deed Document Number | 2022857149 |
| Last Transfer Date | Apr 23, 2025 |
| Transfer Doc | 0000050245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jan 04, 2022 |
| Property Address | 196 FOREST ST, OBERLIN, OH 44074-1508 |
| Document Number | 0000857149 |
| Map Reference | VOL 1 PG 31 |
| Instrument Date | Jan 04, 2021 |
| Instrument | 2022-0857149 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | NORTHSTAR TITLE AGENCY, NORTHSTAR TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 FOREST ST, OBERLIN, OH 44074-1508 |
| Document Number | 0000857150 |
|---|---|
| Date | Jan 04, 2022 |
| Instrument | 2022-0857150 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 196 FOREST ST, OBERLIN, OH 44074-1508 |
| Document Number | 0000704337 |
| Instrument Date | Jan 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 196 FOREST ST OBERLIN OH 440741508, OBERLIN, OH 44074-1508 |
| Document Number | 0000704337 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 704337 |
| Name | NORTHWEST BK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 12, 2034 |
Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Oberlin City |
| Unified School District | Oberlin City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,951.00 (-4.13%) Homeowner's exemption | $62,100 (+0.01%) Land $11,660 Building $50,440 | $177,410 (-) Land $33,300 Building $144,110 |
| 2024 | $3,078.00 (-9.95%) | $62,094 (-0.27%) Land $11,655 Building $50,439 | $177,410 (-0.26%) Land $33,300 Building $144,110 |
| 2023 | $3,418.00 (+0.35%) | $62,259 (%) Land $9,237 Building $53,022 | $177,880 (-) Land $26,390 Building $151,490 |
| 2022 | $3,406.00 | $62,260 Land $9,240 Building $53,020 | |
| 2021 | $177,880 Land $26,390 Building $151,490 |
Source: FEMA National Flood Hazard Layer as of May 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 8 (2004–2012) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Oct 2012 · river or lake flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cogeco Cable Holdings II 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 USA Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
Based on FCC filings for 207 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OBERLIN WATER DEPARTMENT serves 8,600 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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