625 Spruce Dr, Oberlin, OH 44074 Property Records

Lorain County property record for 625 Spruce Dr, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,913 sqft · built 2013
Lot Size	0.472 acres (20,578 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2025)
Tax Bill	$5,948 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-00-083-101-063`

Property Details

APN / Parcel Number

Primary APN	`09-00-083-101-063`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,913 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	20,578 sqft
Lot Dimensions	187 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	625 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 187.07
Legal Subdivision	CLARKWOOD SUBDIVISION NO 3
Legal Lot Number	129
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3005
Census Tract	60200

Owner

625 Spruce Dr is owned and occupied by an individual who bought it in May 2025.

Source: Lorain County records, as of March 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	625 SPRUCE DR, OBERLIN, OH 44074-1472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2025 · Amount on File
Deed Sale	May 22, 2025 · Amount on File
Prior Sale	Feb 15, 2013 · Amount on File
Deed Document Number	2025-0053560
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	625 SPRUCE DR, OBERLIN, OH 44074-1472
Document Number	0000713142
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 SPRUCE DR OBERLIN OH 440741472, OBERLIN, OH 44074-1472

Mortgage

Document Number	0000713142
Date	May 2, 2019
Instrument	713142

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 625 Spruce Dr was $5,948.

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	$5,948.00	$126,900 (+%) Land $28,120 Building $98,780	$362,560 (-) Land $80,330 Building $282,230
2024	$5,948.00 (+6.86%)	$126,897 (+24.02%) Land $28,116 Building $98,781	$362,560 (+24.02%) Land $80,330 Building $282,230
2023	$5,566.00 (+2.79%)	$102,320 (-) Land $25,960 Building $76,360	$292,340 Land $74,170 Building $218,170
2022	$5,415.00	$102,320 Land $25,960 Building $76,360
2021			$292,340 Land $74,170 Building $218,170

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 625 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

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

Wildfire risk around 625 Spruce Dr is low, with less than 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 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

Nearby Properties on Spruce Dr

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