48323 State Rte 511, Oberlin, OH 44074 Property Records

Lorain County property record for 48323 State Rte 511, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,198 sqft · built 1998
Lot Size	9.75 acres (424,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$254,600 (Apr 2026)
Tax Bill	$7,525 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-081-000-041`

Property Details

APN / Parcel Number

Primary APN	`09-00-081-000-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,198 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	2,198 sqft
Basement Area	1,958 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	424,710 sqft (9.75 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Deck Area	195 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	48323 STATE ROUTE 511
City	OBERLIN
State	OH
Zip	44074-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	980555891
Legal Subdivision	RUSSIA
Legal Lot Number	81
Jurisdiction	LORAIN OH
Township / Civil Division	NEW RUSSIA
Census Block Group	1
Census Block	1069
Census Tract	57100

Owner

Source: Lorain County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Affidavit, Transfer
Apr 13, 2026	Quit Claim Deed, Transfer · VA Mortgage LOWER LLC
Feb 21, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 13, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 12, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Dec 12, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Dec 27, 2016	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FIN'L LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Feb 21, 2024 · Amount on Record
Deed Document Number	202691575
Prior Transfer Date	Apr 10, 2026
Prior Transfer Doc	0000091574
Record Updated	Oct 29, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LORAIN OH
Recording Date	Apr 13, 2026
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000091574
Instrument Date	Apr 10, 2026
Instrument	202691574
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Apr 13, 2026
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000091575
Instrument Date	Jan 26, 2026
Instrument	202691575
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	SUMMIT TITLE COMPANY, SUMMIT SETTLEMENT SERVICES VES

Transaction

Amount	Amount Recorded
Tax	$102,858.40
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000091576,
Date	Apr 13, 2026
Instrument	202691576

Lender

Name	LOWER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 21, 2024
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000004592
Instrument Date	Feb 20, 2024
Instrument	2024-0004592
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000004593
Date	Feb 21, 2024
Instrument	2024-0004593

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000698700
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48323 STATE ROUTE 511 OBERLIN OH 440749204, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000698700
Date	Dec 19, 2018
Instrument	698700

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000691491
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48323 STATE ROUTE 511 OBERLIN OH 440749204, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000691491
Date	Oct 17, 2018
Instrument	691491

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000655444
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48323 STATE ROUTE 511 OBERLIN OH 440749204, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000655444
Date	Dec 18, 2017
Instrument	655444

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2032

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48323 STATE ROUTE 511, OBERLIN, OH 44074-9204
Document Number	0000614169
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	May 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48323 STATE ROUTE 511 OBERLIN OH 440749204, OBERLIN, OH 44074-9204

Mortgage

Document Number	0000614169
Date	Jan 4, 2017
Instrument	614169

Lender

Name	NEW PENN FIN'L LLC
Type	Funding / Finance Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 3, 2027

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	New Russia Township
Unified School District	Oberlin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,525.00 (+7.38%)	$178,170 (+11.45%) Land $41,600 Building $136,570	$509,060 (+11.45%) Land $118,850 Building $390,210
2024	$7,008.00 (+24.45%)	$159,870 (+37.9%) Land $41,598 Building $118,272	$456,770 (+37.9%) Land $118,850 Building $337,920
2023	$5,631.00 (+3.13%)	$115,935 (+%) Land $30,314 Building $85,621	$331,240 (-) Land $86,610 Building $244,630
2022	$5,460.00	$115,930 Land $30,310 Building $85,620
2021			$331,240 Land $86,610 Building $244,630

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

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	4 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Cable Co-op.

Cell Coverage

5G (outdoors only) and 4G LTE

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