Lorain County property record for 51032 Garfield Rd, Oberlin, OH 44074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,642 sqft · built 1971 |
| Lot Size | 3.9 acres (169,884 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,000 (Feb 2021) |
| Tax Bill | $5,903 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-14-006-000-004 |
| Primary APN | 08-14-006-000-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,642 sqft Living Area |
| 1st Floor Area | 2,154 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 169,884 sqft (3.9 acres) |
| Garage Type | Attached |
| Garage Area | 1,066 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 56 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 51032 GARFIELD RD |
|---|---|
| City | OBERLIN |
| State | OH |
| Zip | 44074-9686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 14 36 6 FRNT 0000.00 DPTH 0000.00 |
| Legal Subdivision | TR 14 36 6 FRNT |
| Legal Tract | 14 |
| Legal Lot Number | 6 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | HENRIETTA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 92100 |
Source: Lorain County records · APN 08-14-006-000-004
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 51032 GARFIELD RD, OBERLIN, OH 44074-9686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Jun 18, 2020 | Loan Modification, Mortgage · Conventional with PMI CITIZENS BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 26, 2021 · Amount on Record |
| Deed Sale | Feb 26, 2021 · Amount on Record |
| Prior Sale | Nov 09, 2007 · Amount on Record |
| Deed Document Number | 2021001005 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LORAIN OH |
| Recording Date | Feb 26, 2021 |
| Property Address | 51032 GARFIELD RD, OBERLIN, OH 44074-9686 |
| Document Number | 0000804764 |
| Instrument Date | Feb 24, 2021 |
| Instrument | 2021-0804764 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 51032 GARFIELD RD, OBERLIN, OH 44074-9686 |
| Document Number | 0000804765 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021-0804765 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LORAIN OH |
| Property Address | 51032 GARFIELD RD, OBERLIN, OH 44074-9686 |
| Document Number | 0000774487 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 51032 GARFIELD RD OBERLIN OH 440749686, OBERLIN, OH 44074-9686 |
| Document Number | 0000774487 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 774487 |
| Name | CITIZENS BK NA |
|---|---|
| Address | GLEN ALLEN, VA 23059 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 216 Months |
| Due | Aug 17, 2038 |
| Rate | 2% |
|---|
Source: Lorain County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Henrietta Township |
| Unified School District | Firelands Local School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,903.00 | $139,550 (%) Land $24,070 Building $115,480 | $398,720 (-) Land $68,780 Building $329,940 |
| 2024 | $5,903.00 (+18.58%) | $139,552 (+36.02%) Land $24,073 Building $115,479 | $398,720 (+36.02%) Land $68,780 Building $329,940 |
| 2023 | $4,978.00 (+3.58%) | $102,596 (+0.01%) Land $23,034 Building $79,562 | $293,130 (-) Land $65,810 Building $227,320 |
| 2022 | $4,806.00 | $102,590 Land $23,030 Building $79,560 | |
| 2021 | $293,130 Land $65,810 Building $227,320 |
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
| 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 Risk | Low lower than 97% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 7 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Holdings Cable | 1,000 / 20 |
| Starlink Satellite | 280 / 30 |
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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures