1. Home
  2. Ohio
  3. Lorain County
  4. Oberlin
  5. Garfield Rd

48632 Garfield Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 48632 Garfield Rd, Oberlin, OH 44074

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,144 sqft · built 1996
Lot Size5.11 acres (222,592 sqft)
Owner2 Individual Names on File
Last Sale$405,000 (Nov 2024)
Tax Bill$4,037 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Jan 2026 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN08-15-015-000-009

Property Details

APN / Parcel Number

Primary APN08-15-015-000-009

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area2,144 sqft Living Area
Gross Area2,960 sqft
1st Floor Area2,144 sqft
Basement Area2,144 sqft

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleConventional
Exterior MaterialWood Siding
Construction TypeFrame
Lot Area222,592 sqft (5.11 acres)
Garage TypeAttached
Garage Area816 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Frame Porch
Porch Area50 sqft
Deck Area140 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address48632 GARFIELD RD
CityOBERLIN
StateOH
Zip44074-9322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFROM -008
Legal SubdivisionHENRIETTA 15
Legal Tract15
Legal Lot Number15
JurisdictionLORAIN OH
Township / Civil DivisionHENRIETTA
Census Block Group2
Census Block2008
Census Tract92100

Owner

Source: Lorain County records · APN 08-15-015-000-009

Assessment roll updated May 16, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

DateDocument
Jul 29, 2026Deed of Trust, Mortgage · Line of Credit
FAMILY CREDIT UNION
Jan 30, 2026Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN INTERNET MORTGAGE INC
Apr 16, 2024Affidavit, Transfer
Jun 21, 2021Affidavit, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 20, 2024 · Amount on Record
Deed SaleNov 20, 2024 · Amount on Record
Deed Document Number202434092
Prior Transfer DateJun 22, 2021
Prior Transfer Doc0000825786
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLORAIN OH
Recording DateJul 29, 2026
Property Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
Document Number0000105352
Instrument DateJul 23, 2026
Instrument2026105352
Transaction TypeMortgage
Record UpdatedAug 10, 2026
Title CompanyAMERICAN CERTIFIED TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address48632 GARFIELD RD, OBERLIN, OH 44074-9322

Mortgage

Document Number0000105352,
DateJul 29, 2026
Instrument2026105352
Lender
NameFAMILY CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.49%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLORAIN OH
Property Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address48632 GARFIELD RD, OBERLIN, OH 44074-9322

Mortgage

Document Number0000083437
DateJan 30, 2026
Instrument2026-0083437
Lender
NameAMERICAN INTERNET MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 01, 2041

April 2024: Affidavit, Transfer

Document TypeAffidavit
JurisdictionLORAIN OH
Recording DateApr 16, 2024
Property Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
Document Number0000009975
Instrument DateApr 04, 2024
Instrument2024-0009975
Transaction TypeTransfer
Record UpdatedApr 24, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
InvestorPossibly a Property Investor

June 2021: Affidavit, Transfer

Document TypeAffidavit
JurisdictionLORAIN OH
Recording DateJun 21, 2021
Property Address48632 GARFIELD RD, OBERLIN, OH 44074-9322
Document Number20210824239
Instrument DateMay 07, 2021
Instrument2021-0824239
Transaction TypeTransfer
Record UpdatedJul 01, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateOhio
CountyLorain County
County SubdivisionHenrietta Township
Unified School DistrictFirelands Local 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$4,037.00 (-2.25%)$95,080 (%) Land $21,100 Building $73,980$271,660 (-) Land $60,290 Building $211,370
2024$4,130.00 (-8.79%)$95,081 (+2.09%) Land $21,102 Building $73,980$271,660 (+2.09%) Land $60,290 Building $211,370
2023$4,528.00 (+3.57%)$93,132 (+%) Land $26,019 Building $67,113$266,090 (-) Land $74,340 Building $191,750
2022$4,372.00$93,130 Land $26,020 Building $67,110
2021$266,090 Land $74,340 Building $191,750

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 390930921002, 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
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims10 (2008–2023)
Claims Outside the SFHA9 of 10
Most Recent ClaimAug 2023 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 93% of the US · lower than 68% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 15 locations within half a mile · Last verified October 2026

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

May also be available: T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemRURAL LORAIN CO. WATER A
serves 73,125 people
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Garfield Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures