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461 E Lorain St, Oberlin, OH 44074 Property Records

Lorain County property record for 461 E Lorain St, Oberlin, OH 44074 · Last verified March 2026

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details1,500 sqft · built 1964
Lot Size3.95 acres (172,062 sqft)
OwnerCompany Name on File
Last Sale$220,000 (Jan 2020)
Tax Bill$12,892 (2025)
Deeds & MortgagesMortgage
Dec 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-00-087-103-009

Property Details

APN / Parcel Number

Primary APN09-00-087-103-009

Interior

Stories1 Story
Building Area1,500 sqft Total Area

Exterior

Year BuiltBuilt 1964
Lot Area172,062 sqft (3.95 acres)
Lot Dimensions515 ft deep x 318 ft wide
Total Buildings2 Buildings

Location & Zoning

Street Address461 E LORAIN ST
CityOBERLIN
StateOH
Zip44074-1217
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description60-09-087B -049-00
Legal SubdivisionOBERLIN
Legal Block103
Legal Lot Number87
JurisdictionLORAIN OH
Township / Civil DivisionOBERLIN
Census Block Group2
Census Block2000
Census Tract60100

Owner

Source: Lorain County records · APN 09-00-087-103-009

Assessment roll updated August 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address460 E LORAIN ST, OBERLIN, OH 44074-1218
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Deed of Trust, Mortgage
Dec 27, 2019Deed of Trust, Mortgage
CHARLES H & MONICA J ANABLE
Jan 08, 2020Grant Deed, Transfer · Conventional with PMI
CHARLES H & MONICA J ANNABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 08, 2020 · Amount on Record
Deed SaleJan 08, 2020 · Amount on Record
Prior SaleJan 22, 2014
Deed Document Number2020000124
Record UpdatedJun 08, 2026

: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLORAIN OH
Property Address461 E LORAIN ST, OBERLIN, OH 44074-1217
Transaction TypeMortgage
Record UpdatedOct 02, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLORAIN OH
Property Address461 E LORAIN ST, OBERLIN, OH 44074-1217
Document Number0000751048
Instrument DateDec 27, 2019
Transaction TypeMortgage
Record UpdatedMar 17, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address461 E LORAIN ST OBERLIN OH 440741217, OBERLIN, OH 44074-1217

Mortgage

Document Number0000751048
DateFeb 28, 2020
Instrument751048
Lender
NameCHARLES H & MONICA J ANABLE
Address17 BITTERN DR, TOPSHAM, ME 04086-1525
Agreement
AmountAmount Recorded

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionLORAIN OH
Recording DateJan 08, 2020
Property Address461 E LORAIN ST, OBERLIN, OH 44074-1217
Document Number0000744807
Instrument DateDec 23, 2019
Instrument744807
Transaction TypeTransfer
Record UpdatedJan 29, 2020
Title CompanyOHIO FIRST LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$880.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address461 E LORAIN ST OBERLIN OH 440741217, OBERLIN, OH 44074-1217

Mortgage

Document Number744808
DateJan 08, 2020
Instrument744808
Lender
NameCHARLES H & MONICA J ANNABLE
Address17 BITTERN DR, TOPSHAM, ME 04086-1525
Special NotesSeller Financed
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term120 Months
DueJan 07, 2030

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateOhio
CountyLorain County
MunicipalityOberlin City
Unified School DistrictOberlin City School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$12,892.00$214,620 (+14.55%) Land $79,170 Building $135,450$613,200 (+14.55%) Land $226,200 Building $387,000
2024$12,892.00 (+148.88%)$187,355 (+156.12%) Land $79,170 Building $108,185$535,300 (+156.12%) Land $226,200 Building $309,100
2023$5,180.00 (+2.17%)$73,150 (-) Land $62,349 Building $10,801$209,000 (-) Land $178,140 Building $30,860
2022$5,070.00$73,150 Land $62,350 Building $10,800
2021$209,000 Land $178,140 Building $30,860

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lorain County (39093C), updated May 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390930601002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 2 individual NFIP policies nearby
Nearby Flood Policies2 in force
2 of 2 on primary residences
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 2011, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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