48716 Garfield Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 48716 Garfield Rd, Oberlin, OH 44074 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,748 sqft · built 2005
Lot Size	5.07 acres (220,849 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Feb 2020)
Tax Bill	$5,780 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-15-015-000-007`

Property Details

APN / Parcel Number

Primary APN	`08-15-015-000-007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,748 sqft Living Area
Gross Area	3,188 sqft
1st Floor Area	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	220,849 sqft (5.07 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	698 sqft
Patio Area	390 sqft
Pole Barn	1,920 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	48716 GARFIELD RD
City	OBERLIN
State	OH
Zip	44074-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FROM -006
Legal Subdivision	HENRIETTA 15
Legal Tract	15
Legal Lot Number	15
Jurisdiction	LORAIN OH
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2008
Census Tract	92100

Owner

Source: Lorain County records · APN 08-15-015-000-007

Assessment roll updated May 16, 2025 · Last verified June 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 File
Mailing Address	48716 GARFIELD RD, OBERLIN, OH 44074-9348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Feb 28, 2020	Grant Deed, Transfer FIRST FED'L S&L/LAKEWOOD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2020751230
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48716 GARFIELD RD, OBERLIN, OH 44074-9348
Transaction Type	Mortgage
Record Updated	Apr 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009865
Date	Apr 15, 2024
Instrument	2024-0009865

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Type	Bank
Address	LORAIN, OH 44053

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	48716 GARFIELD RD, OBERLIN, OH 44074-9348
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000866579
Date	Mar 14, 2022
Instrument	2022-0866579

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Type	Bank
Address	LORAIN, OH 44053

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Feb 28, 2020
Property Address	48716 GARFIELD RD, OBERLIN, OH 44074-9348
Document Number	0000751230
Instrument Date	Feb 27, 2020
Instrument	751230
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$568.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48716 GARFIELD RD OBERLIN OH 440749348, OBERLIN, OH 44074-9348

Mortgage

Document Number	751231
Date	Feb 28, 2020
Instrument	751231

Lender

Name	FIRST FED'L S&L/LAKEWOOD
Type	Federal Savings Bank
Address	LAKEWOOD, OH 44107

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

Tax Assessment & Valuation

Source: Lorain County records · Assessment roll updated May 16, 2025 · Last verified June 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	$5,780.00 Homeowner's exemption	$136,210 (+%) Land $22,190 Building $114,020	$389,160 (-) Land $63,400 Building $325,760
2024	$5,780.00 (-1.97%)	$136,206 (+12.22%) Land $22,190 Building $114,016	$389,160 (+12.22%) Land $63,400 Building $325,760
2023	$5,896.00 (+3.58%)	$121,370 (-) Land $25,806 Building $95,564	$346,770 (-) Land $73,730 Building $273,040
2022	$5,692.00	$121,370 Land $25,810 Building $95,560
2021			$346,770 Land $73,730 Building $273,040

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 above 7% of the US · above 31% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
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 · Published October 2026 · based on 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Armstrong Holdings	Cable	1,000 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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