48551 Garfield Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 48551 Garfield Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,574 sqft · built 2001
Lot Size	2.64 acres (114,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Sep 2001)
Tax Bill	$4,908 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-15-015-000-014`

Property Details

APN / Parcel Number

Primary APN	`08-15-015-000-014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,574 sqft Living Area
1st Floor Area	1,318 sqft
2nd Floor Area	1,236 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	114,998 sqft (2.64 acres)
Garage Type	Attached
Garage Area	1,018 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	725 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	48551 GARFIELD RD
City	OBERLIN
State	OH
Zip	44074-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -004
Legal Subdivision	HENRIETTA 15
Legal Tract	15
Legal Lot Number	15
Jurisdiction	LORAIN OH
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2007
Census Tract	92100

Owner

Source: Lorain County records, as of March 20, 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	48551 GARFIELD RD, OBERLIN, OH 44074-9347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2001 · Amount on Record
Deed Sale	Sep 7, 2001 · Amount on Record
Prior Sale	Mar 13, 2001 · Amount on Record
Deed Document Number	775882
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48551 GARFIELD RD, OBERLIN, OH 44074-9347
Document Number	0000747110
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	48551 GARFIELD RD OBERLIN OH 440749347, OBERLIN, OH 44074-9347

Mortgage

Document Number	0000747110
Date	Jan 27, 2020
Instrument	747110

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Henrietta Township
Unified School District	Firelands Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,908.00	$116,030 (%) Land $18,440 Building $97,590	$331,520 (-) Land $52,690 Building $278,830
2024	$4,908.00 (-4.46%)	$116,033 (+9.49%) Land $18,442 Building $97,591	$331,520 (+9.49%) Land $52,690 Building $278,830
2023	$5,137.00 (+3.59%)	$105,973 (+%) Land $19,544 Building $86,429	$302,780 (-) Land $55,840 Building $246,940
2022	$4,959.00	$105,970 Land $19,540 Building $86,430
2021			$302,780 Land $55,840 Building $246,940

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	2 in force
Nearby Flood Claims	10 (2008–2023)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Aug 2023 · river or lake flooding

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 93% of the US · lower than 68% 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.

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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