Lake County property record for 10187 Sperry Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,808 sqft · built 1930 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $278,500 (Sep 2026) |
| Tax Bill | $8,956 (2023) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-019-0-00-031-0 |
| Primary APN | 20-A-019-0-00-031-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Type | Detached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 154 sqft |
| Patio Area | 442 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 10187 SPERRY RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 78 TRACT 3 |
| Legal Tract | 3 |
| Legal Block | 1 |
| Legal Lot Number | 78 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 206400 |
10187 Sperry Rd is owned and occupied by an individual who bought it in September 2026.
Source: Lake County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2026 | Affidavit, Transfer |
| Sep 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 24, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 2, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Prior Sale | Jul 22, 2002 · Amount on File |
| Deed Document Number | 202619930 |
| Prior Transfer Date | Jul 30, 2001 |
| Prior Transfer Doc | 0000033665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 1, 2026 |
| Property Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Document Number | 0000019929 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202619929 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 1, 2026 |
| Property Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Document Number | 0000019930 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202619930 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112,514.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Document Number | 0000019931, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 202619931 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 10187 SPERRY RD, KIRTLAND, OH 44094-9513 |
| Document Number | 0000002611 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022R002611 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10187 SPERRY RD, WILLOUGHBY, OH 44094-9513 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000011 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 2019R000011 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 20, 2043 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $103,340 Land $37,550 Building $65,790 | $295,270 Land $107,290 Building $187,980 | |
| 2023 | $8,956.00 (+101.58%) Homeowner's exemption | $85,530 (-) Land $29,980 Building $55,550 | |
| 2022 | $4,443.00 Homeowner's exemption | $85,530 Land $29,980 Building $55,550 | |
| 2021 | $244,370 Land $85,660 Building $158,710 |
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.
FEMA maps place 10187 Sperry Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · 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 | 3 in force |
| Nearby Flood Claims | 2 (1978–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2006 · Severe Storms, Straight Line Winds, And Flooding |
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 risk around 10187 Sperry Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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