38 Walnut St, Oberlin, OH 44074 Property Records

Lorain County property record for 38 Walnut St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,189 sqft · built 1900
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Oct 2021)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-076-101-051`

Property Details

APN / Parcel Number

Primary APN	`09-00-076-101-051`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,189 sqft Living Area
1st Floor Area	1,305 sqft
2nd Floor Area	896 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	123 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	112 sqft
Deck Area	190 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	38 WALNUT ST
City	OBERLIN
State	OH
Zip	44074-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALEXANDER SUB 62.04 X 123
Legal Subdivision	ALEXANDER SUBDIVISION
Legal Block	101
Legal Lot Number	5
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	1
Census Block	1023
Census Tract	60100

Owner

38 Walnut St is owned and occupied by an individual who bought it in October 2021.

Source: Lorain County records, as of March 20, 2026

Owner of Record	Individual Name on File
Mailing Address	38 WALNUT ST, OBERLIN, OH 44074-1126
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
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 2, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	2021007422
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 29, 2021
Property Address	38 WALNUT ST, OBERLIN, OH 44074-1126
Document Number	20210846895
Map Reference	VOL 3 PG 6
Instrument Date	Oct 12, 2021
Instrument	2021-0846895
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	OHIO REAL TITLE

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 WALNUT ST, OBERLIN, OH 44074-1126

Mortgage

Document Number	20210846896
Date	Oct 29, 2021
Instrument	2021-0846896

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	38 WALNUT ST, OBERLIN, OH 44074-1126
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210825706
Date	Jun 29, 2021
Instrument	2021-0825706

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 2, 2018
Property Address	38 WALNUT ST, OBERLIN, OH 44074-1126
Document Number	0000678462
Instrument Date	Jun 22, 2018
Instrument	678462
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 WALNUT ST OBERLIN OH 440741126, OBERLIN, OH 44074-1126

Mortgage

Document Number	678463
Date	Jul 2, 2018
Instrument	678463

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38 Walnut St was $3,087.

Source: Lorain County assessment roll, as of August 1, 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	$3,087.00	$65,050 (+0.01%) Land $5,630 Building $59,420	$185,840 (-) Land $16,080 Building $169,760
2024	$3,087.00 (+48.34%)	$65,044 (+74.22%) Land $5,628 Building $59,416	$185,840 (+74.22%) Land $16,080 Building $169,760
2023	$2,081.00 (+2.71%)	$37,335 (+0.01%) Land $4,242 Building $33,093	$106,670 Land $12,120 Building $94,550
2022	$2,026.00	$37,330 Land $4,240 Building $33,090
2021			$106,670 Land $12,120 Building $94,550

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 38 Walnut St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 Walnut 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 176 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

May also be available: T-Mobile.

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