3912 Oxford Dr, Lorain, OH 44053 Property Records

Lorain County property record for 3912 Oxford Dr, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1977
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Tax Bill	$1,535 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-02-012-104-096`

Property Details

APN / Parcel Number

Primary APN	`02-02-012-104-096`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	135 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3912 OXFORD DR
City	LORAIN
State	OH
Zip	44053-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDY ACRES SUB #4 60.90 X 134.91 S/L 153
Legal Subdivision	SANDY ACRES SUBDIVISION #4
Legal Tract	2
Legal Block	104
Legal Lot Number	153
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1001
Census Tract	97202

Owner

3912 Oxford Dr is owned and occupied by an individual who acquired it in February 2005.

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

Owner of Record	Individual Name on File
Mailing Address	3912 OXFORD DR, LORAIN, OH 44053-2229
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 23, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 23, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2005
Deed Sale	Feb 18, 2005
Deed Document Number	2005090672
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3912 OXFORD DR, LORAIN, OH 44053-2229
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000814219
Date	Apr 23, 2021
Instrument	2021-0814219

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 10, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	3912 OXFORD DR, LORAIN, OH 44053-2229
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210814219
Date	Apr 23, 2021
Instrument	2021-0814219

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 10, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3912 Oxford Dr was $1,535.

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Lorain City
Unified School District	Lorain City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,535.00	$40,160 (+0.01%) Land $11,810 Building $28,350	$114,730 (-) Land $33,730 Building $81,000
2024	$1,535.00 (-15.8%)	$40,156 (+13.44%) Land $11,806 Building $28,350	$114,730 (+13.44%) Land $33,730 Building $81,000
2023	$1,823.00 (+0.89%)	$35,399 (%) Land $9,317 Building $26,082	$101,140 Land $26,620 Building $74,520
2022	$1,807.00	$35,400 Land $9,320 Building $26,080
2021			$101,140 Land $26,620 Building $74,520

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3912 Oxford Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	1 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · 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

The area around 3912 Oxford Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	LORAIN CITY PWS serves 64,152 people · EPA ID OH4700711
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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