1040 Garden Rd, Willoughby, OH 44094 Property Records

Lake County property record for 1040 Garden Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,136 sqft · built 1954
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$83,000 (Aug 2003)
Tax Bill	$3,243 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-057-G-00-017-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-057-G-00-017-0`
Alternative APN	`E 383`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Family Room	Family Room

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	159 ft deep x 40 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1040 GARDEN RD
City	WILLOUGHBY
State	OH
Zip	44094-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 4 DOUGLASS TRACT
Legal Subdivision	LAKE FOREST PARK SUBDIVISION
Legal Block	1
Legal Lot Number	4
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201700

Owner

1040 Garden Rd is owned and occupied by two individuals who bought it in August 2003.

Source: Lake County records, as of June 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1040 GARDEN RD, WILLOUGHBY, OH 44094-7320
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
Dec 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2003 · Amount on File
Deed Sale	Aug 8, 2003 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	200350172
Prior Transfer Date	Aug 6, 2003
Prior Transfer Doc	0000050172
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	1040 GARDEN RD, WILLOUGHBY, OH 44094-7320
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027012
Date	Dec 2, 2025
Instrument	2025R027012

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2045

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	1040 GARDEN RD, WILLOUGHBY, OH 44094-7320
Document Number	0000031036
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1040 GARDEN RD WILLOUGHBY OH 440947320, WILLOUGHBY, OH 44094-7320

Mortgage

Document Number	0000031036
Date	Dec 16, 2019
Instrument	31036

Lender

Name	CARDINAL CU
Address	MENTOR, OH 44060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2034

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$46,140 Land $11,490 Building $34,650	$131,830 Land $32,830 Building $99,000
2023	$3,243.00 (+52.68%) Homeowner's exemption	$34,260 (-) Land $9,740 Building $24,520
2022	$2,124.00 Homeowner's exemption	$34,260 Land $9,740 Building $24,520
2021			$97,880 Land $27,820 Building $70,060

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 1040 Garden Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1986.

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 Claims	10 (1986–2006)
Claims Outside the SFHA	8 of 10
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

Wildfire risk around 1040 Garden Rd is low, with less than 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 99.1% of the US · lower than 96% 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	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 680 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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