648 E College St, Oberlin, OH 44074 Property Records

Lorain County property record for 648 E College St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,414 sqft · built 1975
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Aug 2021)
Tax Bill	$2,346 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-088-102-013`

Property Details

APN / Parcel Number

Primary APN	`09-00-088-102-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
1st Floor Area	1,414 sqft
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	11,761 sqft (0.269 acres)
Lot Dimensions	159 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Deck Area	248 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	648 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 185
Legal Subdivision	MURPHY SUB FRNT
Legal Block	102
Legal Lot Number	18
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3006
Census Tract	60100

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	648 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
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage YOUR HOME FINANCIAL LLC
Sep 27, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Apr 25, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK/WV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Prior Sale	Sep 27, 2019 · Amount on File
Deed Document Number	2021005064
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Aug 3, 2021
Property Address	648 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	20210832092
Map Reference	VOL 20 PG 46
Instrument Date	Jul 28, 2021
Instrument	2021-0832092
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	Joint Tenants
Address	PO BOX 740039, CINCINNATI, OH 45274-0039

Mortgage

Document Number	20210832093
Date	Aug 3, 2021
Instrument	2021-0832093

Lender

Name	YOUR HOME FINANCIAL LLC
Type	Mortgage Company

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Sep 27, 2019
Property Address	648 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	0000732104
Map Reference	VOL 20 PG 46
Instrument Date	Sep 25, 2019
Instrument	2019-0732104
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	PO BOX 8800, DAYTON, OH 45401-8800
Mail Care Of	PNC BANK

Mortgage

Document Number	0000732105
Date	Sep 27, 2019
Instrument	2019-0732105

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	648 E COLLEGE ST, OBERLIN, OH 44074-1336
Document Number	0000671837
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	648 E COLLEGE ST OBERLIN OH 440741336, OBERLIN, OH 44074-1336

Mortgage

Document Number	0000671837
Date	May 11, 2018
Instrument	671837

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 10, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 648 E College St was $2,346.

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	$2,346.00	$49,030 (+%) Land $11,900 Building $37,130	$140,080 (-) Land $33,990 Building $106,090
2024	$2,346.00 (-6.24%)	$49,029 (+8.49%) Land $11,897 Building $37,132	$140,080 (+8.49%) Land $33,990 Building $106,090
2023	$2,502.00 (+2.71%)	$45,192 (+%) Land $11,158 Building $34,034	$129,120 Land $31,880 Building $97,240
2022	$2,436.00	$45,190 Land $11,160 Building $34,030
2021			$129,120 Land $31,880 Building $97,240

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 648 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 648 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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