6318 Oak Point Ests, Lorain, OH 44053 Property Records

Lorain County property record for 6318 Oak Point Ests, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,528 sqft · built 2002
Lot Size	1 acres (43,590 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Aug 2026)
Tax Bill	$6,611 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-03-007-000-130`

Property Details

APN / Parcel Number

Primary APN	`02-03-007-000-130`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,528 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	2,528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	43,590 sqft (1 acres)
Lot Dimensions	307 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	422 sqft
Deck Area	448 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	6318 OAK POINT ESTS
City	LORAIN
State	OH
Zip	44053-1872
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK POINT ESTATES SUB #2 142 X 306.97
Legal Subdivision	OAK POINT ESTATES SUB 2
Legal Tract	03
Legal Lot Number	19
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

6318 Oak Point Ests is owned and occupied by two individuals who bought it in August 2026.

Source: Lorain County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6318 OAK POINT ESTS, LORAIN, OH 44053-1872
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Aug 5, 2026	Fiduciary Deed, Transfer · Conventional Mortgage ALLIANT CREDIT UNION
Jun 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Nov 27, 2013 · Amount on File
Deed Document Number	2026106299
Prior Transfer Date	Jun 1, 2020
Prior Transfer Doc	0000763767
Record Updated	Sep 20, 2026

August 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 5, 2026
Property Address	6318 OAK POINT ESTS, LORAIN, OH 44053-1872
Document Number	0000106299
Instrument Date	Jul 30, 2026
Instrument	2026106299
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000106300,
Date	Aug 5, 2026
Instrument	2026106300

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 9, 2020
Property Address	6318 OAK POINT ESTS, LORAIN, OH 44053-1872
Document Number	0000763767
Instrument Date	Jun 1, 2020
Instrument	763767
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	6318 OAK POINT ESTS LORAIN OH 440531872, LORAIN, OH 44053-1872

Tax Assessment & Valuation

The 2025 property tax bill for 6318 Oak Point Ests was $6,611.

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	$6,611.00	$149,400 (%) Land $38,500 Building $110,900	$426,860 (-) Land $110,000 Building $316,860
2024	$6,611.00 (+7.92%)	$149,401 (+23.03%) Land $38,500 Building $110,901	$426,860 (+23.03%) Land $110,000 Building $316,860
2023	$6,126.00 (+4.02%)	$121,437 (%) Land $22,509 Building $98,928	$346,960 Land $64,310 Building $282,650
2022	$5,889.00	$121,440 Land $22,510 Building $98,930
2021			$346,960 Land $64,310 Building $282,650

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 6318 Oak Point Ests in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6318 Oak Point Ests is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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