Lorain County property record for 45491 Sumner St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,740 sqft · built 1960 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,359 (2025) |
| Deeds & Mortgages | Feb 2026 Sale Sep 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-097-000-012 |
| Primary APN | 09-00-097-000-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,740 sqft Living Area |
| Gross Area | 2,060 sqft |
| 1st Floor Area | 1,740 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 178 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Patio Area | 112 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Gas |
| Street Address | 45491 SUMNER ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.39 AC |
| Legal Subdivision | RUSSIA |
| Legal Lot Number | 97 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | NEW RUSSIA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 60100 |
45491 Sumner St is owned and occupied by two individuals who acquired it in June 2010.
Source: Lorain County records, as of May 16, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 2, 2026 | Affidavit, Transfer |
| Sep 10, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Sep 10, 2025 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 17, 2010 |
| Transfer Doc | 0000338372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 2, 2026 |
| Property Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Document Number | 0000083614 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 2026-0083614 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 10, 2025 |
| Property Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Document Number | 0000066938 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 2025-0066938 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Sep 10, 2025 |
| Property Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
| Document Number | 0000066939 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 2025-0066939 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45491 SUMNER ST, OBERLIN, OH 44074 |
The 2025 property tax bill for 45491 Sumner St was $1,359 with a homeowner's exemption, down 28.2% from the year before.
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | New Russia Township |
| Unified School District | Oberlin City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,359.00 (-28.25%) Homeowner's exemption | $52,370 (+0.01%) Land $8,160 Building $44,210 | $149,620 (-) Land $23,310 Building $126,310 |
| 2024 | $1,894.00 (+39.37%) | $52,367 (+43.45%) Land $8,159 Building $44,209 | $149,620 (+43.45%) Land $23,310 Building $126,310 |
| 2023 | $1,359.00 (+1.65%) | $36,505 (-0.01%) Land $8,015 Building $28,490 | $104,300 Land $22,900 Building $81,400 |
| 2022 | $1,337.00 | $36,510 Land $8,020 Building $28,490 | |
| 2021 | $104,300 Land $22,900 Building $81,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45491 Sumner 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 45491 Sumner 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 95% of the US · lower than 78% 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.
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 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Cable Co-op Cable · Fiber in parts of the area | 1,000 / 50 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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