5630 Oak Point Rd, Lorain, OH 44053 Property Records

Lorain County property record for 5630 Oak Point Rd, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,016 sqft · built 1997
Lot Size	0.361 acres (15,943 sqft)
Owner	2 Individual Names on File
Last Sale	$368,500 (Jul 2024)
Tax Bill	$3,904 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-006-103-013`

Property Details

APN / Parcel Number

Primary APN	`02-03-006-103-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,943 sqft (0.361 acres)
Lot Dimensions	175 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Stoop
Porch Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	5630 OAK POINT RD
City	LORAIN
State	OH
Zip	44053-1851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE MEADOWS 91 X 175.02
Legal Subdivision	THE MEADOWS
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

5630 Oak Point Rd is owned and occupied by two individuals who bought it in July 2024.

Source: Lorain County records, as of May 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5630 OAK POINT RD, LORAIN, OH 44053-1851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Date	Document
Nov 14, 2022	Intrafamily Transfer, Transfer · FHA Mortgage PNC BANK NA
Apr 15, 2021	Intrafamily Transfer, Transfer
Jun 20, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on File
Deed Sale	Jul 2, 2024 · Amount on File
Prior Sale	May 23, 2012 · Amount on File
Deed Document Number	202418316
Prior Transfer Date	Oct 17, 2022
Prior Transfer Doc	0000898383
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Nov 14, 2022
Property Address	5630 OAK POINT RD, LORAIN, OH 44053-1851
Document Number	0000898383
Map Reference	VOL 48 PG 70
Instrument Date	Nov 9, 2022
Instrument	2022-0898383
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	NATIONALLINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 OAK POINT RD, LORAIN, OH 44053-1851

Mortgage

Document Number	0000898384
Date	Nov 14, 2022
Instrument	2022-0898384

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Apr 15, 2021
Property Address	5630 OAK POINT RD, LORAIN, OH 44053-1851
Document Number	0000812698
Map Reference	VOL 48 PG 70
Instrument Date	Apr 14, 2021
Instrument	2021-0812698
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 OAK POINT RD, LORAIN, OH 44053-1851

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	5630 OAK POINT RD, LORAIN, OH 44053-1851
Document Number	0000766399
Instrument Date	Jun 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5630 OAK POINT RD LORAIN OH 440531851, LORAIN, OH 44053-1851

Mortgage

Document Number	0000766399
Date	Jun 25, 2020
Instrument	766399

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5630 Oak Point Rd was $3,904, up 1.7% from the year before.

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	$3,904.00 (+1.67%)	$92,350 (%) Land $19,250 Building $73,100	$263,860 (-) Land $55,000 Building $208,860
2024	$3,840.00 (+15.04%)	$92,351 (+36.42%) Land $19,250 Building $73,101	$263,860 (+36.43%) Land $55,000 Building $208,860
2023	$3,338.00 (-2.31%)	$67,694 (-0.01%) Land $12,096 Building $55,598	$193,410 Land $34,560 Building $158,850
2022	$3,417.00	$67,700 Land $12,100 Building $55,600
2021			$193,410 Land $34,560 Building $158,850

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 5630 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 5630 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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