613 Spruce Dr, Oberlin, OH 44074 Property Records

Lorain County property record for 613 Spruce Dr, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,946 sqft · built 2006
Lot Size	0.387 acres (20,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jul 2006)
Tax Bill	$8,168 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-083-101-062`

Property Details

APN / Parcel Number

Primary APN	`09-00-083-101-062`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,946 sqft Living Area
Gross Area	3,166 sqft
1st Floor Area	1,475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	20,218 sqft (0.387 acres)
Lot Dimensions	183 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	52 sqft
Patio Area	958 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	613 SPRUCE DR
City	OBERLIN
State	OH
Zip	44074-1472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLARKWOOD SUB 3 110 X 183.80 S/L 128
Legal Subdivision	CLARKWOOD SUB 3
Legal Block	101
Legal Lot Number	128
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3005
Census Tract	60200

Owner

Source: Lorain County records, as of September 8, 2026

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 Record
Mailing Address	613 SPRUCE DR, OBERLIN, OH 44074-1472
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit BUCKEYE COMMUNITY BANK
May 11, 2021	Deed of Trust, Mortgage · Line of Credit BUCKEYE COMMUNITY BANK
May 11, 2021	Deed of Trust, Mortgage · Line of Credit BUCKEYE COMMUNITY BANK
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUCKEYE CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2006 · Amount on Record
Deed Sale	Jul 31, 2006 · Amount on Record
Prior Sale	Oct 31, 2005 · Amount on Record
Deed Document Number	2006156998
Last Transfer Date	Dec 8, 2008
Transfer Doc	20080279088
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Aug 26, 2026
Property Address	613 SPRUCE DR, OBERLIN, OH 44074-1472
Document Number	0000109076
Instrument Date	Aug 19, 2026
Instrument	2026109076
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LAND TITLE, NETWORK LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 SPRUCE DR, OBERLIN, OH 44074-1472

Mortgage

Document Number	0000109076,
Date	Aug 26, 2026
Instrument	2026109076

Lender

Name	BUCKEYE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	613 SPRUCE DR, OBERLIN, OH 44074-1472
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000817032
Date	May 11, 2021
Instrument	2021-0817032

Lender

Name	BUCKEYE COMMUNITY BANK
Type	Bank
Address	LORAIN, OH 44055

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	613 SPRUCE DR, OBERLIN, OH 44074-1472
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210817032
Date	May 11, 2021
Instrument	2021-0817032

Lender

Name	BUCKEYE COMMUNITY BANK
Type	Bank
Address	LORAIN, OH 44055

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	613 SPRUCE DR, OBERLIN, OH 44074-1472
Document Number	0000760705
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	GRIMSLEY TITLE AGENCY, GRIMSLEY TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	613 SPRUCE DR OBERLIN OH 440741472, OBERLIN, OH 44074-1472

Mortgage

Document Number	0000760705
Date	May 18, 2020
Instrument	760705

Lender

Name	BUCKEYE CMNTY BK
Type	Bank
Address	LORAIN, OH 44055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 17, 2035

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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	$8,168.00 (-4.18%) Homeowner's exemption	$174,910 (+%) Land $28,120 Building $146,790	$499,720 (-) Land $80,330 Building $419,390
2024	$8,524.00 (+18.88%)	$174,902 (+32.25%) Land $28,116 Building $146,787	$499,720 (+32.25%) Land $80,330 Building $419,390
2023	$7,170.00 (+2.77%)	$132,248 (%) Land $25,960 Building $106,288	$377,850 (-) Land $74,170 Building $303,680
2022	$6,977.00	$132,250 Land $25,960 Building $106,290
2021			$377,850 Land $74,170 Building $303,680

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

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	2 in force
Nearby Flood Claims	4 (2004–2019)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2019 · 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 115 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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