298 E College St, Oberlin, OH 44074 Property Records

Lorain County property record for 298 E College St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,760 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Tax Bill	$3,177 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-087-101-027`

Property Details

APN / Parcel Number

Primary APN	`09-00-087-101-027`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
1st Floor Area	884 sqft
Basement Area	644 sqft

Exterior

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	5,663 sqft (0.13 acres)
Lot Dimensions	133 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	584 sqft
Deck Area	102 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	298 E COLLEGE ST
City	OBERLIN
State	OH
Zip	44074-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENASTON 40 X 163
Legal Subdivision	KENASTON
Legal Block	101
Legal Lot Number	2
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2001
Census Tract	60100

Owner

298 E College St is owned and occupied by an individual who acquired it in September 2023.

Source: Lorain County records, as of June 16, 2026

Owner of Record	Individual Name on File
Mailing Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jun 4, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 19, 2023	Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 22, 2019	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2023
Deed Sale	Sep 19, 2023
Prior Sale	Nov 22, 2019 · Amount on File
Deed Document Number	2023929729
Prior Transfer Date	Aug 25, 2023
Prior Transfer Doc	0000929729
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jun 4, 2026
Property Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302
Document Number	0000098367
Instrument Date	May 29, 2026
Instrument	202698367
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302

Mortgage

Document Number	0000098367,
Date	Jun 4, 2026
Instrument	202698367

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Sep 19, 2023
Property Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302
Document Number	0000929729
Map Reference	VOL 1 PG 15
Instrument Date	Sep 17, 2023
Instrument	2023-0929729
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302

Mortgage

Document Number	0000929730
Date	Sep 19, 2023
Instrument	2023-0929730

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Nov 22, 2019
Property Address	298 E COLLEGE ST, OBERLIN, OH 44074-1302
Document Number	0000739534
Instrument Date	Nov 14, 2019
Instrument	739534
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	CARDINAL HOPE EXAM COMPANY, CARDINAL HOPE EXAM CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	298 E COLLEGE ST OBERLIN OH 440741302, OBERLIN, OH 44074-1302

Mortgage

Document Number	739535
Date	Nov 22, 2019
Instrument	739535

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 298 E College St was $3,177.

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	$3,177.00	$63,870 (+0.01%) Land $4,080 Building $59,790	$182,470 (-) Land $11,650 Building $170,820
2024	$3,177.00 (+32.82%)	$63,865 (+48.06%) Land $4,078 Building $59,787	$182,470 (+48.06%) Land $11,650 Building $170,820
2023	$2,392.00 (+2.71%)	$43,135 (-0.01%) Land $3,077 Building $40,058	$123,240 Land $8,790 Building $114,450
2022	$2,329.00	$43,140 Land $3,080 Building $40,060
2021			$123,240 Land $8,790 Building $114,450

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 298 E College St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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

Wildfire risk around 298 E College 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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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