6322 Oak Point Ests, Lorain, OH 44053 Property Records

Lorain County property record for 6322 Oak Point Ests, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,042 sqft · built 2001
Lot Size	1 acre (43,590 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Dec 2019)
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03-007-000-129`

Property Details

APN / Parcel Number

Primary APN	`02-03-007-000-129`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,042 sqft Living Area
1st Floor Area	1,357 sqft
2nd Floor Area	1,349 sqft
Attic Area	688 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	43,590 sqft
Lot Dimensions	306 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	6322 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 #2 142.00 X 306.97
Legal Subdivision	OAK POINT ESTATES SUBDIVISION #2
Legal Tract	3
Legal Lot Number	20
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

6322 Oak Point Ests is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	6322 OAK POINT ESTS, LORAIN, OH 44053-1872
Occupancy	Owner Occupied
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
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Dec 20, 2019	Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Prior Sale	Jul 10, 2003 · Amount on File
Deed Document Number	2019007803
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6322 OAK POINT ESTS, LORAIN, OH 44053-1872
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000860952
Date	Jan 31, 2022
Instrument	2022-0860952

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 20, 2019
Property Address	6322 OAK POINT ESTS, LORAIN, OH 44053-1872
Document Number	0000742927
Instrument Date	Dec 18, 2019
Instrument	742927
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	REINHARDT AND ASSOC INC, REINHARDT & ASSOC INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6322 OAK POINT ESTS LORAIN OH 440531872, LORAIN, OH 44053-1872

Mortgage

Document Number	742928
Date	Dec 20, 2019
Instrument	742928

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6322 Oak Point Ests was $5,681.

Source: Lorain County assessment roll, as of August 1, 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	$5,681.00	$134,550 (%) Land $38,500 Building $96,050	$384,430 (-) Land $110,000 Building $274,430
2024	$5,681.00 (+1.41%)	$134,551 (+18.31%) Land $38,500 Building $96,051	$384,430 (+18.32%) Land $110,000 Building $274,430
2023	$5,602.00 (+4.18%)	$113,723 (+%) Land $22,509 Building $91,214	$324,920 Land $64,310 Building $260,610
2022	$5,377.00	$113,720 Land $22,510 Building $91,210
2021			$324,920 Land $64,310 Building $260,610

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 6322 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 6322 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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