Lorain County property record for 197 Sumner St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,874 sqft · built 1900 |
| Lot Size | 0.589 acres (25,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Jul 2002) |
| Tax Bill | $3,150 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-096-109-035 |
| Primary APN | 09-00-096-109-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,874 sqft Living Area |
| 1st Floor Area | 1,370 sqft |
| 2nd Floor Area | 504 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 25,700 sqft (0.589 acres) |
| Lot Dimensions | 550 ft deep x 130 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 20 sqft |
| Heating System | HVAC |
|---|
| Street Address | 197 SUMNER ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PENFIELD 2ND ADDITION 50.00 X 275.30 S/L 3-4 |
| Legal Subdivision | ISAAC PENFIELDS SECOND ADDITION |
| Legal Block | 109 |
| Legal Lot Number | 3-4 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 60100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 197 SUMNER ST, OBERLIN, OH 44074-1742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2002 · Amount on Record |
| Deed Sale | Jul 1, 2002 · Amount on Record |
| Prior Sale | Oct 6, 1994 · Amount on Record |
| Deed Document Number | 839558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 197 SUMNER ST, OBERLIN, OH 44074-1742 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 197 SUMNER ST, OBERLIN, OH 44074-1742 |
| Document Number | 20210838318 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 2021-0838318 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,150.00 | $66,410 (%) Land $17,250 Building $49,160 | $189,750 (-) Land $49,290 Building $140,460 |
| 2024 | $3,150.00 (+38.52%) | $66,413 (+62.22%) Land $17,252 Building $49,161 | $189,750 (+62.22%) Land $49,290 Building $140,460 |
| 2023 | $2,274.00 (+2.71%) | $40,940 (-) Land $7,172 Building $33,768 | $116,970 (-) Land $20,490 Building $96,480 |
| 2022 | $2,214.00 | $40,940 Land $7,170 Building $33,770 | |
| 2021 | $116,970 Land $20,490 Building $96,480 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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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