99 Smith St, Oberlin, OH 44074 Property Records

Lorain County property record for 99 Smith St, Oberlin, OH 44074

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,600 sqft · built 1940
Lot Size	0.59 acres (25,700 sqft)
Owner	Company Name on Record
Last Sale	$92,500 (Jan 2022)
Tax Bill	$2,557 (2025)
Deeds & Mortgages	Jul 2023 Sale Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-00-096-113-096`

Property Details

APN / Parcel Number

Primary APN	`09-00-096-113-096`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	1,640 sqft
1st Floor Area	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	287 ft deep x 57 ft wide

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	40 sqft
Patio Area	98 sqft
Canopy	98 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Street Address	99 SMITH ST
City	OBERLIN
State	OH
Zip	44074-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.59 AC
Legal Block	113
Jurisdiction	LORAIN OH
Township / Civil Division	OBERLIN
Census Block Group	3
Census Block	3024
Census Tract	60100

Owner

Source: Lorain County records, as of May 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	8390 AVON BELDEN RD, NORTH RIDGEVILLE, OH 44039-3810
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jan 13, 2022	Warranty Deed, Transfer · Line of Credit ABERDEEN INVESTMENT PROPERTIES LLC
Jul 29, 2021	Warranty Deed, Transfer FIRST NATIONWIDE TITLE AGENCY LT, 1ST NATIONWIDE TTL AGCY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Jul 29, 2021 · Amount on Record
Deed Document Number	2022858601
Prior Transfer Date	Mar 20, 2009
Prior Transfer Doc	0000321036
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 10, 2023
Property Address	99 SMITH ST, OBERLIN, OH 44074-1720
Document Number	0000921667
Instrument Date	Dec 9, 2022
Instrument	2023-0921667
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8390 AVON BELDEN RD, NORTH RIDGEVILLE, OH 44039-3810

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 8, 2022
Property Address	99 SMITH ST, OBERLIN, OH 44074-1720
Document Number	0000878589
Instrument Date	May 4, 2022
Instrument	2022-0878589
Transaction Type	Transfer
Record Updated	Apr 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8390 AVON BELDEN RD, NORTH RIDGEVILLE, OH 44039-3810

Mortgage

Document Number	0000878590
Date	Jun 8, 2022
Instrument	2022-0878590

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jan 13, 2022
Property Address	99 SMITH ST, OBERLIN, OH 44074-1720
Document Number	0000858601
Instrument Date	Jan 13, 2022
Instrument	2022-0858601
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
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	5049 RAVENWAY DR, NORTH RIDGEVILLE, OH 44039-1055

Mortgage

Document Number	0000858602
Date	Jan 13, 2022
Instrument	2022-0858602

Lender

Name	ABERDEEN INVESTMENT PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jul 29, 2021
Property Address	99 SMITH ST, OBERLIN, OH 44074-1720
Document Number	20210831238
Instrument Date	Jul 27, 2021
Instrument	2021-0831238
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST NATIONWIDE TITLE AGENCY LT, 1ST NATIONWIDE TTL AGCY LTD

Transaction

Amount	Amount Recorded
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	3867 MEDINA RD # 232, 232, FAIRLAWN, OH 44333-4525

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of May 16, 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	$2,557.00 (-1.77%)	$51,090 (-0.01%) Land $11,740 Building $39,350	$145,980 (-) Land $33,550 Building $112,430
2024	$2,603.00 (+32.87%)	$51,093 (+49.22%) Land $11,743 Building $39,351	$145,980 (+49.22%) Land $33,550 Building $112,430
2023	$1,959.00 (+2.62%)	$34,241 (+%) Land $11,480 Building $22,761	$97,830 (-) Land $32,800 Building $65,030
2022	$1,909.00	$34,240 Land $11,480 Building $22,760
2021			$97,830 Land $32,800 Building $65,030

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 287 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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