6232 Oak Point Ests, Lorain, OH 44053 Property Records

Lorain County property record for 6232 Oak Point Ests, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,234 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Oct 2026)
Tax Bill	$5,802 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004524-4`

Property Details

APN / Parcel Number

Primary APN	`004524-4`
Alternative APN	`02-03-007-000-048`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,234 sqft Living Area
Gross Area	5,514 sqft
1st Floor Area	1,622 sqft
Basement Area	1,554 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	307 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	743 sqft
Porch	Slab
Porch Area	152 sqft
Patio Area	873 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	004524-4
Street Address	6232 OAK POINT ESTS
City	LORAIN
State	OH
Zip	44053-1870
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK POINT ESTATES SUB #1 157.83 X 306.97 10/27/21 MM LAND CONTRACT 2021-0846433 $533,000 LOT # 7
Legal Subdivision	OAK POINT ESTATES SUB 1
Legal Tract	03
Legal Lot Number	7
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

Source: Lorain County records, as of October 20, 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	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL B/C CREDIT
Oct 5, 2026	Quit Claim Deed, Transfer FIRST NATIONWIDE TITLE
May 27, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FSLA OF LAKEWOOD
Oct 27, 2021	Land Contract, Transfer NOT AVAILABLE, MULTIPLE
Mar 23, 2021	Intrafamily Transfer, Transfer EXAMCO TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on Record
Deed Sale	Oct 7, 2026 · Amount on Record
Prior Sale	Oct 27, 2021 · Amount on Record
Deed Document Number	2026114583
Prior Transfer Date	Sep 11, 2026
Prior Transfer Doc	0000114107
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 7, 2026
Property Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Document Number	0000114583
Instrument Date	Oct 6, 2026
Instrument	2026114583
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	FIRST NATIONWIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000114584,
Date	Oct 7, 2026
Instrument	2026114584

Lender

Name	NATIONAL B/C CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 5, 2026
Property Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Document Number	0000114107
Instrument Date	Sep 11, 2026
Instrument	2026114107
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	FIRST NATIONWIDE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6701 CROSSE RD, AMHERST, OH 44001-3337

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	GUARDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210819935
Date	May 27, 2021
Instrument	2021-0819935

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank
Address	LAKEWOOD, OH 44107

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	LORAIN OH
Recording Date	Oct 27, 2021
Property Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Document Number	20210846433
Map Reference	VOL 58 PG 52
Instrument Date	Oct 26, 2021
Instrument	2021-0846433
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Mar 23, 2021
Property Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870
Document Number	20210808901
Map Reference	VOL 58 PG 52
Instrument Date	Mar 19, 2021
Instrument	2021-0808901
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	EXAMCO TITLE SERVICES

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	Living Trust
Address	6232 OAK POINT ESTS, LORAIN, OH 44053-1870

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	$5,802.00 (+4.05%)	$131,120 (+%) Land $38,500 Building $92,620	$374,620 (-) Land $110,000 Building $264,620
2024	$5,576.00 (-19.04%)	$131,117 (-3.96%) Land $38,500 Building $92,617	$374,620 (-3.96%) Land $110,000 Building $264,620
2023	$6,887.00 (+4.02%)	$136,518 (%) Land $22,509 Building $114,009	$390,050 (-) Land $64,310 Building $325,740
2022	$6,621.00	$136,520 Land $22,510 Building $114,010
2021			$390,050 Land $64,310 Building $325,740

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	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 264 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

May also be available: AT&T, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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