640 E College St, Oberlin, OH 44074 Property Records

Lorain County property record for 640 E College St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,234 sqft · built 1975
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jul 2020)
Tax Bill	$2,653 (2025)
Deeds & Mortgages	Mar 2021 Transfer Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-088-102-012`

Property Details

APN / Parcel Number

Primary APN	`09-00-088-102-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,230 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	182 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	52 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	640 E COLLEGE ST
City	OBERLIN
State	OH
Zip	44074-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MURPHY SUB 93.22 X 209
Legal Subdivision	MURPHY SUBDIVISION
Legal Block	102
Legal Lot Number	17
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3006
Census Tract	60100

Owner

640 E College St is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	640 E COLLEGE ST, OBERLIN, OH 44074-1336
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
Mar 30, 2021	Intrafamily Transfer, Transfer
Jul 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2020 · Amount on File
Deed Sale	Jul 22, 2020 · Amount on File
Prior Sale	Jul 30, 2020
Deed Document Number	0000770411
Last Transfer Date	Mar 30, 2021
Transfer Doc	0000810011
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LORAIN OH
Recording Date	Mar 30, 2021
Property Address	640 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	0000810011
Map Reference	VOL 20 PG 46
Instrument Date	Mar 25, 2021
Instrument	2021-0810011
Transaction Type	Transfer
Record Updated	Apr 29, 2022

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	640 E COLLEGE ST, OBERLIN, OH 44074-1336

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 30, 2020
Property Address	640 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	0000771626
Instrument Date	Jul 29, 2020
Instrument	771626
Transaction Type	Transfer
Record Updated	Aug 10, 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	Joint Tenants with Right of Survivorship
Address	640 E COLLEGE ST OBERLIN OH 440741336, OBERLIN, OH 44074-1336

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 22, 2020
Property Address	640 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	0000770411
Instrument Date	Jul 21, 2020
Instrument	770411
Transaction Type	Transfer
Record Updated	Aug 5, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 E COLLEGE ST OBERLIN OH 440741336, OBERLIN, OH 44074-1336

Mortgage

Document Number	770412
Date	Jul 22, 2020
Instrument	770412

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 21, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 640 E College St was $2,653.

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	$2,653.00	$53,060 (+0.01%) Land $12,520 Building $40,540	$151,590 (-) Land $35,770 Building $115,820
2024	$2,653.00 (-1.85%)	$53,057 (+11%) Land $12,520 Building $40,537	$151,590 (+11%) Land $35,770 Building $115,820
2023	$2,703.00 (+2.66%)	$47,800 (-) Land $11,743 Building $36,057	$136,570 Land $33,550 Building $103,020
2022	$2,633.00	$47,800 Land $11,740 Building $36,060
2021			$136,570 Land $33,550 Building $103,020

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 640 E College St 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	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 640 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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