5200 Oak Point Rd, Lorain, OH 44053 Property Records

Lorain County property record for 5200 Oak Point Rd, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,294 sqft · built 1992
Lot Size	0.294 acres (12,284 sqft)
Owner	2 Individual Names on File
Last Sale	$126,100 (Jul 2020)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03-006-103-006`

Property Details

APN / Parcel Number

Primary APN	`02-03-006-103-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,294 sqft Living Area
Gross Area	1,734 sqft
1st Floor Area	699 sqft
Basement Area	600 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,284 sqft (0.294 acres)
Lot Dimensions	150 ft deep x 69.3 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	96 sqft
Deck Area	426 sqft
Patio Area	426 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Street Address	5200 OAK POINT RD
City	LORAIN
State	OH
Zip	44053-1955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS SUBDIVISION 69.27 X 150.39
Legal Subdivision	THE OAKS SUBDIVISION
Legal Tract	03
Legal Block	103
Legal Lot Number	1
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

5200 Oak Point Rd is owned and occupied by two individuals who bought it in July 2020.

Source: Lorain County records, as of June 10, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	5200 OAK POINT RD, LORAIN, OH 44053-1955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 7, 2020	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Dec 30, 2013 · Amount on File
Deed Document Number	2020768046
Prior Transfer Date	May 10, 2002
Prior Transfer Doc	0000835042
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	May 29, 2026
Property Address	5200 OAK POINT RD, LORAIN, OH 44053-1955
Document Number	0000097644
Instrument Date	May 21, 2026
Instrument	202697644
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5200 OAK POINT RD, LORAIN, OH 44053-1955

Mortgage

Document Number	0000097644,
Date	May 29, 2026
Instrument	202697644

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 7, 2020
Property Address	5200 OAK POINT RD, LORAIN, OH 44053-1955
Document Number	0000768046
Instrument Date	Jul 6, 2020
Instrument	768046
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	OHIO FIRST LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$524.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5200 OAK POINT RD LORAIN OH 440531955, LORAIN, OH 44053-1955

Mortgage

Document Number	768047
Date	Jul 7, 2020
Instrument	768047

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5200 Oak Point Rd was $2,934.

Source: Lorain County assessment roll, as of May 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,934.00	$66,320 (%) Land $19,250 Building $47,070	$189,490 (-) Land $55,000 Building $134,490
2024	$2,934.00 (+21.19%)	$66,322 (+38.18%) Land $19,250 Building $47,072	$189,490 (+38.18%) Land $55,000 Building $134,490
2023	$2,421.00 (-3.51%)	$47,996 (-0.01%) Land $12,096 Building $35,900	$137,130 Land $34,560 Building $102,570
2022	$2,509.00	$48,000 Land $12,100 Building $35,900
2021			$137,130 Land $34,560 Building $102,570

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 5200 Oak Point Rd 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	48 units insured incl. 46 condo units

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 5200 Oak Point Rd is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LORAIN CITY PWS serves 64,152 people · EPA ID OH4700711
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023–2025) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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