7097 Oak Tree Dr S, Lorain, OH 44053 Property Records

Lorain County property record for 7097 Oak Tree Dr S, Lorain, OH 44053

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,834 sqft · built 1998
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2021)
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03-007-000-122`

Property Details

APN / Parcel Number

Primary APN	`02-03-007-000-122`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,834 sqft Living Area
1st Floor Area	856 sqft
2nd Floor Area	756 sqft
Attic Area	462 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	33 sqft
Deck Area	322 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	7097 OAK TREE DR S
City	LORAIN
State	OH
Zip	44053-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKS SUBDIVISION #4 75 X 140
Legal Subdivision	THE OAKS SUBDIVISION #4
Legal Tract	3
Legal Lot Number	83
Jurisdiction	LORAIN OH
Township / Civil Division	LORAIN
Census Block Group	1
Census Block	1007
Census Tract	97201

Owner

7097 Oak Tree Dr S is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	7097 OAK TREE DR S, LORAIN, OH 44053-4338
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	Name on Deed
Last Sale	Dec 14, 2021 · Amount on File
Deed Sale	Dec 14, 2021 · Amount on File
Prior Sale	Mar 18, 2005 · Amount on File
Deed Document Number	2021008551
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Dec 14, 2021
Property Address	7097 OAK TREE DR S, LORAIN, OH 44053-4338
Document Number	0000853945
Map Reference	VOL 61 PG 26
Instrument Date	Nov 24, 2021
Instrument	2021-0853945
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	BLACK TIE TITLE

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	7097 OAK TREE DR S, LORAIN, OH 44053-4338

Mortgage

Document Number	0000853946
Date	Dec 14, 2021
Instrument	2021-0853946

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 7097 Oak Tree Dr S was $3,942.

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	$3,942.00	$93,360 (+%) Land $20,370 Building $72,990	$266,740 (-) Land $58,200 Building $208,540
2024	$3,942.00 (+8.09%)	$93,359 (+26.08%) Land $20,370 Building $72,989	$266,740 (+26.08%) Land $58,200 Building $208,540
2023	$3,647.00 (+4.17%)	$74,046 (+0.01%) Land $12,852 Building $61,194	$211,560 Land $36,720 Building $174,840
2022	$3,501.00	$74,040 Land $12,850 Building $61,190
2021			$211,560 Land $36,720 Building $174,840

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 7097 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 7097 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 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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