21 S Cedar St, Oberlin, OH 44074 Property Records

Lorain County property record for 21 S Cedar St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,933 sqft · built 1900
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$417,000 (Feb 2021)
Tax Bill	$5,645 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-085-107-005`

Property Details

APN / Parcel Number

Primary APN	`09-00-085-107-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,933 sqft Living Area
Gross Area	4,127 sqft
1st Floor Area	1,111 sqft
Basement Area	955 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	79 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	244 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	21 S CEDAR ST
City	OBERLIN
State	OH
Zip	44074-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT 109.00
Legal Subdivision	OBERLIN
Legal Block	107
Legal Lot Number	83-84
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2004
Census Tract	60200

Owner

21 S Cedar St is owned and occupied by an individual who bought it in February 2021.

Source: Lorain County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	21 S CEDAR ST, OBERLIN, OH 44074-1519
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 10, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
May 17, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
May 22, 2019	Trustee's Deed, Construction Loan · Line of Credit FCBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Prior Sale	May 17, 2019 · Amount on File
Deed Document Number	2021802437
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	21 S CEDAR ST, OBERLIN, OH 44074-1519
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	TITLECO INC, TITLECO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 S CEDAR ST, OBERLIN, OH 44074-1519

Mortgage

Document Number	0000009165
Date	Apr 8, 2024
Instrument	2024-0009165

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2034

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 10, 2021
Property Address	21 S CEDAR ST, OBERLIN, OH 44074-1519
Document Number	0000802437
Map Reference	VOL 5 PG 30
Instrument Date	Jan 12, 2021
Instrument	2021-0802437
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 S CEDAR ST, OBERLIN, OH 44074-1519

Mortgage

Document Number	0000802438
Date	Feb 10, 2021
Instrument	2021-0802438

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LORAIN OH
Recording Date	May 17, 2019
Property Address	21 S CEDAR ST, OBERLIN, OH 44074-1519
Document Number	0000715042
Instrument Date	May 10, 2019
Instrument	715042
Transaction Type	Foreclosure
Record Updated	May 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$564.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	262 N MAIN ST OBERLIN OH 440741150, OBERLIN, OH 44074-1150

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LORAIN OH
Recording Date	May 22, 2019
Property Address	21 S CEDAR ST, OBERLIN, OH 44074-1519
Instrument Date	May 6, 2019
Instrument	715564
Transaction Type	Construction Loan
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	262 N MAIN ST OBERLIN OH 440741150, OBERLIN, OH 44074-1150

Mortgage

Document Number	0000715564
Date	May 22, 2019
Instrument	715564

Lender

Name	FCBANK
Type	Bank
Address	WORTHINGTON, OH 43085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 21, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21 S Cedar St was $5,645 with a homeowner's exemption.

Source: Lorain County assessment roll, as of May 16, 2025

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
2025	$5,645.00 Homeowner's exemption	$120,350 (%) Land $16,340 Building $104,010	$343,860 (-) Land $46,680 Building $297,180
2024	$5,645.00 (-28.87%)	$120,351 (-17.86%) Land $16,338 Building $104,013	$343,860 (-17.86%) Land $46,680 Building $297,180
2023	$7,936.00 (+2.78%)	$146,521 (+%) Land $12,943 Building $133,578	$418,630 Land $36,980 Building $381,650
2022	$7,721.00	$146,520 Land $12,940 Building $133,580
2021			$418,630 Land $36,980 Building $381,650

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.

Flood

FEMA maps place 21 S Cedar St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2004.

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	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	Severe Storms And Flooding, May 2004 · 3 claims

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

Wildfire risk around 21 S Cedar 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 97% of the US · lower than 85% 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 207 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.

Nearby Properties on S Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures