420 E College St, Oberlin, OH 44074 Property Records

Lorain County property record for 420 E College St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,512 sqft · built 1860
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$685,000 (May 2025)
Tax Bill	$8,812 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-087-103-004`

Property Details

APN / Parcel Number

Primary APN	`09-00-087-103-004`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,512 sqft Living Area
1st Floor Area	1,933 sqft
2nd Floor Area	2,328 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Lot Area	54,450 sqft (1.25 acres)
Lot Dimensions	330 ft deep x 165 ft wide
Garage Type	Detached
Garage Area	1,062 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	352 sqft
Deck Area	786 sqft
Patio Area	786 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	420 E COLLEGE ST
City	OBERLIN
State	OH
Zip	44074-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRNT 0165.00 DPTH 0330.00
Legal Subdivision	RUSSIA
Legal Block	103
Legal Lot Number	87
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2000
Census Tract	60100

Owner

420 E College St is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	420 E COLLEGE ST, OBERLIN, OH 44074-1319
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025 · Amount on File
Deed Sale	May 2, 2025 · Amount on File
Deed Document Number	2025-0051175
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	420 E COLLEGE ST, OBERLIN, OH 44074-1319
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 E COLLEGE ST, OBERLIN, OH 44074-1319

Mortgage

Document Number	0000086702
Date	Mar 3, 2026
Instrument	2026-0086702

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 420 E College St was $8,812.

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	$8,812.00	$188,830 (+%) Land $18,110 Building $170,720	$539,500 (-) Land $51,730 Building $487,770
2024	$8,812.00 (+21.11%)	$188,826 (+40.68%) Land $18,106 Building $170,720	$539,500 (+40.69%) Land $51,730 Building $487,770
2023	$7,276.00 (+2.77%)	$134,219 (%) Land $11,652 Building $122,567	$383,480 Land $33,290 Building $350,190
2022	$7,080.00	$134,220 Land $11,650 Building $122,570
2021			$383,480 Land $33,290 Building $350,190

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 420 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 420 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 94% of the US · lower than 74% 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 110 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
T-Mobile Fixed Wireless	100 / 20