626 Spruce Dr, Oberlin, OH 44074 Property Records

Lorain County property record for 626 Spruce Dr, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,822 sqft · built 2017
Lot Size	0.381 acres (15,309 sqft)
Owner	2 Individual Names on File
Last Sale	$38,000 (Jan 2017)
Tax Bill	$7,349 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-083-101-074`

Property Details

APN / Parcel Number

Primary APN	`09-00-083-101-074`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,822 sqft Living Area
Gross Area	2,892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,309 sqft (0.381 acres)
Lot Dimensions	170 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	70 sqft
Porch	Open Frame Porch
Porch Area	114 sqft
Patio Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	626 SPRUCE DR
City	OBERLIN
State	OH
Zip	44074-1471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLARKWOOD SUB 3 90 X 170.10
Legal Subdivision	CLARKWOOD SUB 3
Legal Block	101
Legal Lot Number	140
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3004
Census Tract	60200

Owner

626 Spruce Dr is owned by two individuals who bought it in January 2017.

Source: Lorain County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	143 E COLLEGE ST, 1, OBERLIN, OH 44074-1774
Owner Type	Individual

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
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jan 11, 2017	Grant Deed, Transfer · Line of Credit HOME S&L/YOUNGSTOWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2017 · Amount on File
Deed Sale	Jan 11, 2017 · Amount on File
Deed Document Number	2017614976
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	626 SPRUCE DR, OBERLIN, OH 44074-1471
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000828058
Date	Jul 12, 2021
Instrument	2021-0828058

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	626 SPRUCE DR, OBERLIN, OH 44074-1471
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210828058
Date	Jul 12, 2021
Instrument	2021-0828058

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 11, 2017
Property Address	626 SPRUCE DR, OBERLIN, OH 44074-1471
Document Number	0000614976
Instrument Date	Jan 9, 2017
Instrument	614976
Transaction Type	Transfer
Record Updated	Jun 6, 2017
Title Company	PATRIOT TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$152.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 SPRUCE DR OBERLIN OH 44074, OBERLIN, OH 44074

Mortgage

Document Number	614977
Date	Jan 11, 2017
Instrument	614977

Lender

Name	HOME S&L/YOUNGSTOWN
Type	Federal Savings Bank
Address	275 W FEDERAL ST, YOUNGSTOWN, OH 44503-1200

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 626 Spruce Dr was $7,349.

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	$7,349.00	$149,870 (-) Land $28,120 Building $121,750	$428,200 (-) Land $80,330 Building $347,870
2024	$7,349.00 (-1.26%)	$149,870 (+11.74%) Land $28,116 Building $121,755	$428,200 (+11.74%) Land $80,330 Building $347,870
2023	$7,443.00 (+2.7%)	$134,121 (+%) Land $25,960 Building $108,161	$383,200 Land $74,170 Building $309,030
2022	$7,247.00	$134,120 Land $25,960 Building $108,160
2021			$383,200 Land $74,170 Building $309,030

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 626 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 626 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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