Lorain County property record for 441 E College St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,809 sqft · built 1964 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Apr 2026) |
| Tax Bill | $5,145 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-087-107-010 |
| Primary APN | 09-00-087-107-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,809 sqft Living Area |
| Gross Area | 2,502 sqft |
| 1st Floor Area | 1,809 sqft |
| Basement Area | 1,809 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 200 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 414 sqft |
| Deck Area | 265 sqft |
| Patio Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 441 E COLLEGE ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE PK ADD 72 X 200 |
| Legal Subdivision | COLLEGE PK ADD |
| Legal Block | 107 |
| Legal Lot Number | 45 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60100 |
441 E College St is owned and occupied by an individual who bought it in April 2026.
Source: Lorain County records, as of April 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 441 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| 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.
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Line of Credit THE OHIO EDUCATIONAL CU INC |
| Apr 14, 2026 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Mar 20, 2017 | Warranty Deed, Transfer · Conventional with PMI FIRST FED'L S&L/LAKEWOOD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on File |
| Deed Sale | Apr 14, 2026 · Amount on File |
| Prior Sale | Mar 20, 2017 · Amount on File |
| Deed Document Number | 202691693 |
| Prior Transfer Date | Aug 11, 2008 |
| Prior Transfer Doc | 0000264711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 441 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000848342 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 2021-0848342 |
| Name | THE OHIO EDUCATIONAL CU INC |
|---|---|
| Type | Credit Union |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Apr 14, 2026 |
| Property Address | 441 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000091693 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 2026.91693 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | INFINITE TITLE, INFINITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 441 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000091694, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026.91694 |
| Name | FLAGSTAR BANK FSB |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Mar 20, 2017 |
| Property Address | 441 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000622831 |
| Instrument Date | Mar 14, 2017 |
| Instrument | 622831 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $564.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14806 DETROIT AVE LAKEWOOD OH 441073910, LAKEWOOD, OH 44107-3910 |
| Document Number | 622832 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 622832 |
| Name | FIRST FED'L S&L/LAKEWOOD |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKEWOOD, OH 44107 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2047 |
The 2025 property tax bill for 441 E College St was $5,145, down 1.8% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| Municipality | Oberlin City |
| Unified School District | Oberlin City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,145.00 (-1.79%) | $104,430 (-) Land $17,850 Building $86,580 | $298,370 (-) Land $51,010 Building $247,360 |
| 2024 | $5,239.00 (+55.97%) | $104,430 (+74.81%) Land $17,854 Building $86,576 | $298,370 (+74.81%) Land $51,010 Building $247,360 |
| 2023 | $3,359.00 (+2.69%) | $59,739 (%) Land $13,906 Building $45,833 | $170,680 Land $39,730 Building $130,950 |
| 2022 | $3,271.00 | $59,740 Land $13,910 Building $45,830 | |
| 2021 | $170,680 Land $39,730 Building $130,950 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 441 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 risk around 441 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures