50286 Garfield Rd, Oberlin, OH 44074 Property Records

Lorain County property record for 50286 Garfield Rd, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,084 sqft · built 1966
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$164,400 (Jul 1999)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-15-012-000-005`

Property Details

APN / Parcel Number

Primary APN	`08-15-012-000-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
1st Floor Area	1,356 sqft
2nd Floor Area	728 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	228 sqft
Deck Area	392 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	50286 GARFIELD RD
City	OBERLIN
State	OH
Zip	44074-9230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	37-08-008C -073-00
Legal Subdivision	HENRIETTA 15
Legal Tract	15
Legal Lot Number	12
Jurisdiction	LORAIN OH
Township / Civil Division	HENRIETTA
Census Block Group	2
Census Block	2015
Census Tract	92100

Owner

Source: Lorain County records · APN 08-15-012-000-005

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 Individual Names on File
Mailing Address	50286 GARFIELD RD, OBERLIN, OH 44074-9230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 19, 1999 · Amount on Record
Deed Sale	Jul 19, 1999 · Amount on Record
Deed Document Number	629478
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	50286 GARFIELD RD, OBERLIN, OH 44074-9230
Transaction Type	Mortgage
Record Updated	Mar 07, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50286 GARFIELD RD, OBERLIN, OH 44074-9230

Mortgage

Document Number	0000864316
Date	Feb 25, 2022
Instrument	2022-0864316

Lender

Name	FIFTH THIRD BANK NORTHWESTERN OHIO
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2052

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	$2,945.00	$89,950 (%) Land $17,360 Building $72,590	$257,000 (-) Land $49,590 Building $207,410
2024	$2,945.00 (-7.36%)	$89,951 (+37.88%) Land $17,357 Building $72,594	$257,000 (+37.88%) Land $49,590 Building $207,410
2023	$3,179.00 (+3.58%)	$65,237 (+0.01%) Land $17,304 Building $47,933	$186,390 (-) Land $49,440 Building $136,950
2022	$3,069.00	$65,230 Land $17,300 Building $47,930
2021			$186,390 Land $49,440 Building $136,950

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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 14 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G (outdoors only) and 4G LTE

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.