639 E College St, Oberlin, OH 44074 Property Records

Lorain County property record for 639 E College St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1937
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Oct 2021)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-00-088-105-009`

Property Details

APN / Parcel Number

Primary APN	`09-00-088-105-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	274 ft deep x 68 ft wide
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	639 E COLLEGE ST
City	OBERLIN
State	OH
Zip	44074-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.51 AC SURVEY BEFORE NEXT TRANSFER
Legal Subdivision	OBERLIN
Legal Block	105
Legal Lot Number	88
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3003
Census Tract	60100

Owner

639 E College St is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	639 E COLLEGE ST, OBERLIN, OH 44074-1335
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Prior Sale	Aug 6, 2015 · Amount on File
Deed Document Number	2021007180
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 21, 2021
Property Address	639 E COLLEGE ST, OBERLIN, OH 44074-1335
Document Number	20210845311
Instrument Date	Oct 15, 2021
Instrument	2021-0845311
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	639 E COLLEGE ST, OBERLIN, OH 44074-1335

Mortgage

Document Number	20210845312
Date	Oct 21, 2021
Instrument	2021-0845312

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 639 E College St was $2,592.

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	$2,592.00	$54,340 (-0.01%) Land $8,540 Building $45,800	$155,270 (-) Land $24,400 Building $130,870
2024	$2,592.00 (+12.79%)	$54,345 (+31.27%) Land $8,540 Building $45,805	$155,270 (+31.27%) Land $24,400 Building $130,870
2023	$2,298.00 (+2.68%)	$41,399 (%) Land $6,444 Building $34,955	$118,280 Land $18,410 Building $99,870
2022	$2,238.00	$41,400 Land $6,440 Building $34,960
2021			$118,280 Land $18,410 Building $99,870

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 639 E College St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 639 E College St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Breezeline Cable	1,000 / 50
Cable Co-op Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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