6325 Oak Tree Dr S, Lorain, OH 44053 Property Records

Lorain County property record for 6325 Oak Tree Dr S, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,822 sqft · built 1996
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Aug 2021)
Tax Bill	$3,904 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-007-000-024`

Property Details

APN / Parcel Number

Primary APN	`02-03-007-000-024`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
Gross Area	2,342 sqft
1st Floor Area	750 sqft
Basement Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	143 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	146 sqft
Deck Area	224 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	6325 OAK TREE DR S
City	LORAIN
State	OH
Zip	44053-4332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKS SUBDIVISION 2 75 X 143
Legal Subdivision	OAKS SUBDIVISION 2
Legal Tract	03
Legal Lot Number	14
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

6325 Oak Tree Dr S is owned and occupied by an individual who acquired it in May 2023.

Source: Lorain County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Dec 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 29, 2023	Intrafamily Transfer, Transfer
Aug 6, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Aug 6, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Sep 2, 2004
Deed Document Number	2021832757
Last Transfer Date	May 17, 2023
Transfer Doc	0000920697
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Recording Date	Jun 30, 2026
Property Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Document Number	0000101608
Instrument Date	Jun 20, 2026
Instrument	2026101608
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000101608,
Date	Jun 30, 2026
Instrument	2026101608

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000938821
Date	Dec 18, 2023
Instrument	2023-0938821

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2043

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Jun 29, 2023
Property Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Document Number	0000920697
Map Reference	VOL 57 PG 55
Instrument Date	May 17, 2023
Instrument	2023-0920697
Transaction Type	Transfer
Record Updated	Jul 19, 2023

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
Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 6, 2021
Property Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Document Number	20210832757
Map Reference	VOL 57 PG 55
Instrument Date	Aug 3, 2021
Instrument	2021-0832757
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Investor	Possibly a Property Investor

Mortgage

Document Number	20210832758
Date	Aug 6, 2021
Instrument	2021-0832758

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	6325 OAK TREE DR S, LORAIN, OH 44053-4332
Document Number	0000726719
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6325 OAK TREE DR S LORAIN OH 440534332, LORAIN, OH 44053-4332

Mortgage

Document Number	0000726719
Date	Aug 19, 2019
Instrument	726719

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6325 Oak Tree Dr S was $3,904.

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	$3,904.00	$88,220 (-0.01%) Land $20,580 Building $67,640	$252,070 (-) Land $58,800 Building $193,270
2024	$3,904.00 (+22.77%)	$88,225 (+36.66%) Land $20,580 Building $67,645	$252,070 (+36.66%) Land $58,800 Building $193,270
2023	$3,180.00 (+4.19%)	$64,558 (+0.01%) Land $12,334 Building $52,224	$184,450 Land $35,240 Building $149,210
2022	$3,052.00	$64,550 Land $12,330 Building $52,220
2021			$184,450 Land $35,240 Building $149,210

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 6325 Oak Tree Dr S 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 6325 Oak Tree Dr S 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 210 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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