Lorain County property record for 196 Morgan St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,659 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,611 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-085-109-006 |
| Primary APN | 09-00-085-109-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 893 sqft |
| 2nd Floor Area | 772 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 130 ft deep x 68 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Patio Area | 240 sqft |
| Heating System | HVAC |
|---|
| Street Address | 196 MORGAN ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WRIGHT FRNT 0068.00 DPTH 0130.00 |
| Legal Subdivision | WRIGHT FRNT |
| Legal Block | 109 |
| Legal Lot Number | 25-6 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 60200 |
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 | 196 MORGAN ST, OBERLIN, OH 44074-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 196 MORGAN ST, OBERLIN, OH 44074-1514 |
| Document Number | 0000692778 |
| Instrument Date | Sep 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2018 |
| Name | Verified Name |
|---|---|
| Address | 196 MORGAN ST OBERLIN OH 440741514, OBERLIN, OH 44074-1514 |
| Document Number | 0000692778 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 692778 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,611.00 (-37.39%) | $53,930 (+0.01%) Land $12,950 Building $40,980 | $154,070 (-) Land $36,990 Building $117,080 |
| 2024 | $2,573.00 (+50.2%) | $53,925 (+76.99%) Land $12,947 Building $40,978 | $154,070 (+76.99%) Land $36,990 Building $117,080 |
| 2023 | $1,713.00 (+2.7%) | $30,468 (-0.01%) Land $7,602 Building $22,866 | $87,050 (-) Land $21,720 Building $65,330 |
| 2022 | $1,668.00 | $30,470 Land $7,600 Building $22,870 | |
| 2021 | $87,050 Land $21,720 Building $65,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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: 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.
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 159 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 |
May also be available: Spectrum.
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