51 Thomas St, Oberlin, OH 44074 Property Records

Lorain County property record for 51 Thomas St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1970
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$112,000 (Sep 1996)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00-088-102-002`

Property Details

APN / Parcel Number

Primary APN	`09-00-088-102-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	51 THOMAS ST
City	OBERLIN
State	OH
Zip	44074-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MURPHY SUB FRNT 0070.00 DPTH 0150.00
Legal Subdivision	MURPHY SUB FRNT
Legal Block	102
Legal Lot Number	13
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3006
Census Tract	60100

Owner

51 Thomas St is owned and occupied by two individuals who bought it in September 1996.

Source: Lorain County records, as of March 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 THOMAS ST, OBERLIN, OH 44074-1308
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 1996 · Amount on File
Deed Sale	Sep 11, 1996 · Amount on File
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	51 THOMAS ST, OBERLIN, OH 44074-1308
Document Number	0000744410
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 THOMAS ST OBERLIN OH 440741308, OBERLIN, OH 44074-1308

Mortgage

Document Number	0000744410
Date	Jan 6, 2020
Instrument	744410

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 51 Thomas St was $2,882.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
Municipality	Oberlin City
Unified School District	Oberlin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,882.00	$60,620 (-0.01%) Land $10,780 Building $49,840	$173,210 (-) Land $30,800 Building $142,410
2024	$2,882.00 (-3.84%)	$60,624 (+11.4%) Land $10,780 Building $49,844	$173,210 (+11.4%) Land $30,800 Building $142,410
2023	$2,997.00 (+2.74%)	$54,419 (%) Land $10,112 Building $44,307	$155,480 Land $28,890 Building $126,590
2022	$2,917.00	$54,420 Land $10,110 Building $44,310
2021			$155,480 Land $28,890 Building $126,590

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

FEMA maps place 51 Thomas St in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 51 Thomas St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 74% 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	OBERLIN WATER DEPARTMENT serves 8,600 people · EPA ID OH4700911
Water Source	Surface water
Last State Inspection	Mar 2026
Also Mapped Here	RURAL LORAIN CO. WATER A
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2024 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Breezeline Cable	1,000 / 50
Cable Co-op Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thomas St

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