Lake County property record for 1040 Windermere Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.032 acres (1,411 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Apr 2026) |
| Tax Bill | $324 (2023) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-056-B-00-112-0 |
| Primary APN | 27-B-056-B-00-112-0 |
|---|---|
| Alternative APN |
|
| Lot Area | 1,411 sqft (0.032 acres) |
|---|---|
| Lot Dimensions | 83 ft deep x 17 ft wide |
| View / Lot | Extra Front |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Heating Fuel | Gas |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1040 WINDERMERE DR |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 & 3 DOUGLASS TRACT |
| Legal Subdivision | WILLOBEE ON THE LAKE NO. 2 |
| Legal Block | 5 |
| Legal Lot Number | 23 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 201700 |
Source: Lake County records · APN 27-B-056-B-00-112-0
Assessment roll updated December 30, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1040 WINDERMERE DR, WILLOUGHBY, OH 44094-7140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Jul 03, 2023 | Deed of Trust, Mortgage · Commercial Mortgage RCN CAPITAL LLC |
| Sep 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage ILS LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | Sep 06, 2022 · Amount on Record |
| Deed Document Number | 20267975 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 20, 2026 |
| Property Address | 1040 WINDERMERE DR, WILLOUGHBY, OH 44094-7140 |
| Document Number | 0000007975 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.7975 |
| Transaction Type | Transfer |
| Record Updated | May 04, 2026 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $62,620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 WINDERMERE DR, WILLOUGHBY, OH 44094-7140 |
| Document Number | 0000007976, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026..7976 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000007977, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026.7977 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | WINDERMERE DR, WILLOUGHBY, OH 44094 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000012593 |
|---|---|
| Date | Jul 03, 2023 |
| Instrument | 2023R012593 |
| Name | RCN CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH WINDSOR, CT 06074 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 06, 2022 |
| Property Address | WINDERMERE DR, WILLOUGHBY, OH 44094 |
| Document Number | 0000024651 |
| Map Reference | VOL D PG 47 |
| Instrument Date | Aug 24, 2022 |
| Instrument | 2022R024651 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 WINDERMERE DR, WILLOUGHBY, OH 44094-7140 |
| Document Number | 0000024652 |
|---|---|
| Date | Sep 06, 2022 |
| Instrument | 2022R024652 |
| Name | ILS LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Mar 01, 2023 |
Source: Lake County records · Assessment roll updated December 30, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,210 (+22.74%) Land $3,600 Building $610 | $12,020 (+22.65%) Land $10,290 Building $1,730 | |
| 2023 | $324.00 (+27.06%) Homeowner's exemption | $3,430 (-) Land $2,890 Building $540 | |
| 2022 | $255.00 | $3,430 Land $2,890 Building $540 | |
| 2021 | $9,800 Land $8,260 Building $1,540 |
Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 11 (1978–1991) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | May 1991 · erosion |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
May also be available: Cogeco Cable Holdings II, Verizon.
Based on FCC filings for 304 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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