6205 Oak Point Ests, Lorain, OH 44053 Property Records

Lorain County property record for 6205 Oak Point Ests, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,634 sqft · built 1998
Lot Size	0.375 acres (16,640 sqft)
Owner	2 Company Names on Record
Last Sale	$168,300 (Feb 2009)
Tax Bill	$4,293 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-006-103-016`

Property Details

APN / Parcel Number

Primary APN	`02-03-006-103-016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,634 sqft Living Area
Gross Area	3,336 sqft
1st Floor Area	1,506 sqft
Basement Area	1,506 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	16,640 sqft (0.375 acres)
Lot Dimensions	175 ft deep x 94.8 ft wide
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	18 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	6205 OAK POINT ESTS
City	LORAIN
State	OH
Zip	44053-1871
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWS SUB #1 94.77 X175.02
Legal Subdivision	MEADOWS SUB 1
Legal Tract	03
Legal Block	103
Legal Lot Number	3
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

Source: Lorain County records, as of August 21, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jul 27, 2021	Deed of Trust, Mortgage FIREFIGHTERS COMMUNITY CU INC
Aug 6, 2025	Deed of Trust, Mortgage SPLITERO FUNDING INC
Sep 10, 2021	Intrafamily Transfer, Transfer
Jul 27, 2021	Deed of Trust, Mortgage FIREFIGHTERS COMMUNITY CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2009 · Amount on Record
Deed Sale	Feb 12, 2009 · Amount on Record
Prior Sale	Nov 13, 2007 · Amount on Record
Deed Document Number	2009283730
Last Transfer Date	Sep 9, 2021
Transfer Doc	20210838571
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871

Mortgage

Document Number	0000891659
Date	Sep 16, 2022
Instrument	2022-0891659

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000830736
Date	Jul 27, 2021
Instrument	2021-0830736

Lender

Name	FIREFIGHTERS COMMUNITY CU INC
Type	Credit Union
Address	CLEVELAND, OH 44125

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2031

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062671
Date	Aug 6, 2025
Instrument	2025-0062671

Lender

Name	SPLITERO FUNDING INC
Type	Mortgage Company
Address	WILMINGTON, DE 19890

Agreement

Amount	Amount Recorded

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Sep 10, 2021
Property Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Document Number	20210838571
Map Reference	VOL 48 PG 70
Instrument Date	Sep 9, 2021
Instrument	2021-0838571
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6205 OAK POINT ESTS, LORAIN, OH 44053-1871
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210830736
Date	Jul 27, 2021
Instrument	2021-0830736

Lender

Name	FIREFIGHTERS COMMUNITY CU INC
Type	Credit Union
Address	CLEVELAND, OH 44125

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2031

Tax Assessment & Valuation

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	$4,293.00 (+1.61%) Homeowner's exemption	$101,670 (%) Land $19,250 Building $82,420	$290,490 (-) Land $55,000 Building $235,490
2024	$4,225.00 (-0.8%)	$101,672 (+17.62%) Land $19,250 Building $82,422	$290,490 (+17.62%) Land $55,000 Building $235,490
2023	$4,259.00 (-0.93%)	$86,443 (-0.01%) Land $12,096 Building $74,347	$246,980 (-) Land $34,560 Building $212,420
2022	$4,299.00	$86,450 Land $12,100 Building $74,350
2021			$246,980 Land $34,560 Building $212,420

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
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

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

Provider	Max Down / Up (Mbps)
Brightspeed Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, Verizon.

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