Lorain County property record for 475 E College St, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,798 sqft · built 1954 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,117 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-00-087-107-015 |
| Primary APN | 09-00-087-107-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,798 sqft Living Area |
| Gross Area | 2,374 sqft |
| 1st Floor Area | 1,798 sqft |
| Basement Area | 1,510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 28,750 sqft (0.66 acres) |
| Lot Dimensions | 202 ft deep x 144 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 200 sqft |
| Patio Area | 122 sqft |
| Canopy | 122 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 475 E COLLEGE ST |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-1318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE PK 144 X 201 |
| Legal Subdivision | COLLEGE PK |
| Legal Block | 107 |
| Legal Lot Number | 40&41 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | OBERLIN |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60100 |
475 E College St is owned and occupied by two individuals who acquired it in May 2022.
Source: Lorain County records, as of May 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 16, 2022 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Dec 28, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Jun 2, 2020 | Court-Ordered Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2022 |
| Deed Sale | May 16, 2022 |
| Prior Sale | Dec 28, 2020 · Amount on File |
| Deed Document Number | 2022875441 |
| Prior Transfer Date | May 19, 2005 |
| Prior Transfer Doc | 0000073434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 18, 2026 |
| Property Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000096130 |
| Instrument Date | May 9, 2026 |
| Instrument | 202696130 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000096130, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202696130 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | May 16, 2022 |
| Property Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000875441 |
| Map Reference | VOL 15 PG 13-15 |
| Instrument Date | May 6, 2022 |
| Instrument | 2022-0875441 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Title Company | MILLER HOME TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000875442 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 2022-0875442 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Dec 28, 2020 |
| Property Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000795470 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 795470 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 E COLLEGE ST OBERLIN OH 440741318, OBERLIN, OH 44074-1318 |
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Jun 2, 2020 |
| Property Address | 475 E COLLEGE ST, OBERLIN, OH 44074-1318 |
| Document Number | 0000762802 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 762802 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $376.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 E COLLEGE ST OBERLIN OH 440741318, OBERLIN, OH 44074-1318 |
The 2025 property tax bill for 475 E College St was $5,117 with a homeowner's exemption.
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 | $5,117.00 Homeowner's exemption | $108,940 (+0.01%) Land $30,380 Building $78,560 | $311,240 (-) Land $86,790 Building $224,450 |
| 2024 | $5,117.00 (+26%) | $108,934 (+46.67%) Land $30,377 Building $78,558 | $311,240 (+46.67%) Land $86,790 Building $224,450 |
| 2023 | $4,061.00 (+2.76%) | $74,270 (-) Land $23,653 Building $50,617 | $212,200 Land $67,580 Building $144,620 |
| 2022 | $3,952.00 | $74,270 Land $23,650 Building $50,620 | |
| 2021 | $212,200 Land $67,580 Building $144,620 |
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.
FEMA maps place 475 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 475 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 |
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