48657 Garfield Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 48657 Garfield Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,036 sqft · built 1997
Lot Size	2.57 acres (112,385 sqft)
Owner	2 Owner Names on File
Last Sale	$245,000 (Jan 2004)
Tax Bill	$4,362 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-15-015-000-012`

Property Details

APN / Parcel Number

Primary APN	`08-15-015-000-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,036 sqft Living Area
1st Floor Area	1,131 sqft
2nd Floor Area	905 sqft
Upper Floors Area	905 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Log Home
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	112,385 sqft (2.57 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,296 sqft
Deck Area	432 sqft
Patio Area	64 sqft
Canopy	400 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	48657 GARFIELD RD
City	OBERLIN
State	OH
Zip	44074-9322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	37-08-008D -100-01
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 · APN 08-15-015-000-012

Assessment roll updated August 1, 2025 · Last verified March 2026

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

Owner of Record	2 Owner Names on File
Mailing Address	48657 GARFIELD RD, OBERLIN, OH 44074-9322
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2004 · Amount on Record
Deed Sale	Jan 28, 2004 · Amount on Record
Prior Sale	Sep 13, 2002
Deed Document Number	2004090313
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48657 GARFIELD RD, OBERLIN, OH 44074-9322
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48657 GARFIELD RD, OBERLIN, OH 44074-9322

Mortgage

Document Number	0000935352
Date	Nov 09, 2023
Instrument	2023-0935352

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,362.00	$102,670 (+%) Land $16,040 Building $86,630	$293,330 (-) Land $45,830 Building $247,500
2024	$4,362.00 (-5.03%)	$102,666 (+8.76%) Land $16,041 Building $86,625	$293,330 (+8.76%) Land $45,830 Building $247,500
2023	$4,593.00 (+3.56%)	$94,396 (%) Land $19,289 Building $75,107	$269,700 (-) Land $55,110 Building $214,590
2022	$4,435.00	$94,400 Land $19,290 Building $75,110
2021			$269,700 Land $55,110 Building $214,590

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 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

Wildfire

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 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

Provider	Max 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 System	RURAL LORAIN CO. WATER A serves 73,125 people
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 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.