56 Spring St, Oberlin, OH 44074 Property Records

Lorain County property record for 56 Spring St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,440 sqft · built 1900
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,111 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-086-110-027`

Property Details

APN / Parcel Number

Primary APN	`09-00-086-110-027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
1st Floor Area	984 sqft
2nd Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1936
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	288 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	56 SPRING ST
City	OBERLIN
State	OH
Zip	44074-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VIETS FRNT 0066.00
Legal Subdivision	VIETS FRNT
Legal Block	110
Legal Lot Number	1-4
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	2
Census Block	2006
Census Tract	60100

Owner

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

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	56 SPRING ST, OBERLIN, OH 44074-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	56 SPRING ST, OBERLIN, OH 44074-1353
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000920041
Date	Jun 23, 2023
Instrument	2023-0920041

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	56 SPRING ST, OBERLIN, OH 44074-1353
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 SPRING ST, OBERLIN, OH 44074-1353

Mortgage

Document Number	0000897134
Date	Nov 1, 2022
Instrument	2022-0897134

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 2, 2032

Tax Assessment & Valuation

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	$4,111.00 (+50.42%)	$87,190 (+76.14%) Land $8,680 Building $78,510	$249,090 (+76.12%) Land $24,790 Building $224,300
2023	$2,733.00 (+2.71%)	$49,501 (+%) Land $7,312 Building $42,189	$141,430 (-) Land $20,890 Building $120,540
2022	$2,661.00	$49,500 Land $7,310 Building $42,190
2021			$141,430 Land $20,890 Building $120,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · rainfall accumulation

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

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

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

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 329 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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