48455 State Rte 511, Oberlin, OH 44074 Property Records

Lorain County property record for 48455 State Rte 511, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1994
Lot Size	7.96 acres (346,738 sqft)
Owner	Individual Name on File
Tax Bill	$4,795 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-081-000-049`

Property Details

APN / Parcel Number

Primary APN	`09-00-081-000-049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	346,738 sqft (7.96 acres)
Garage Type	Mixed
Garage Area	1,488 sqft
Parking Spaces	6 Parking Spaces
Deck Area	200 sqft
Patio Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	48455 STATE ROUTE 511
City	OBERLIN
State	OH
Zip	44074-9616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -042 & -043
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

48455 State Rte 511 is owned and occupied by an individual who acquired it in March 2022.

Source: Lorain County records, as of March 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	48455 STATE ROUTE 511, OBERLIN, OH 44074-9616
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit ACHIEVE CREDIT UNION
Mar 17, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2022
Deed Sale	Mar 17, 2022
Prior Sale	Oct 3, 2016
Deed Document Number	2022091558
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48455 STATE ROUTE 511, OBERLIN, OH 44074-9616
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000873602
Date	May 3, 2022
Instrument	2022-0873602

Lender

Name	ACHIEVE CREDIT UNION
Address	ELYRIA, OH 44035

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	204 Months
Due	May 2, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Mar 17, 2022
Property Address	48455 STATE ROUTE 511, OBERLIN, OH 44074-9616
Document Number	0000867224
Instrument Date	Mar 15, 2022
Instrument	2022-0867224
Transaction Type	Transfer
Record Updated	Mar 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	48455 STATE ROUTE 511, OBERLIN, OH 44074-9616

Mortgage

Document Number	0000867225
Date	Mar 17, 2022
Instrument	2022-0867225

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 48455 State Rte 511 was $4,795.

Source: Lorain County assessment roll, as of August 1, 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	$4,795.00	$113,420 (%) Land $37,460 Building $75,960	$324,060 (-) Land $107,020 Building $217,040
2024	$4,795.00 (+24.48%)	$113,421 (+43.59%) Land $37,457 Building $75,964	$324,060 (+43.59%) Land $107,020 Building $217,040
2023	$3,852.00 (+15.78%)	$78,989 (%) Land $26,296 Building $52,693	$225,680 Land $75,130 Building $150,550
2022	$3,327.00	$78,990 Land $26,300 Building $52,690
2021			$225,680 Land $75,130 Building $150,550

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 48455 State Rte 511 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 48455 State Rte 511 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 96% of the US · lower than 81% 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.

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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