Lake County property record for 10429 Loreto Ridge Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,444 sqft · built 1996 |
| Lot Size | 1.55 acres (67,954 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $18,875 (2023) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-020-C-00-014-0 |
| Primary APN | 20-A-020-C-00-014-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,444 sqft Living Area |
| Gross Area | 4,834 sqft |
| 1st Floor Area | 940 sqft |
| Basement Area | 1,390 sqft |
| Unfinished Basement | 1,390 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Brick |
| Lot Area | 67,954 sqft (1.55 acres) |
| Garage Type | Detached |
| Garage Area | 1,136 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 526 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 37 |
|---|---|
| Street Address | 10429 LORETO RIDGE DR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 80 TRACT 3 |
| Legal Subdivision | LORETO RIDGE SUBDIVISION |
| Legal Tract | 3 |
| Legal Lot Number | 14 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 206400 |
10429 Loreto Ridge Dr is owner-occupied and held in a trust since August 2016.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 10429 LORETO RIDGE DR, KIRTLAND, OH 44094-9549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Apr 27, 2016 |
| Last Transfer Date | Aug 10, 2016 |
| Transfer Doc | 0000020644 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10429 LORETO RIDGE DR, KIRTLAND, OH 44094-9549 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028997 |
|---|---|
| Date | Oct 25, 2017 |
| Instrument | 2017R028997 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 29, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $18,875.00 (+102.48%) Homeowner's exemption | $180,250 (-) Land $37,860 Building $142,390 | |
| 2022 | $9,322.00 Homeowner's exemption | $180,250 Land $37,860 Building $142,390 | |
| 2021 | $515,010 Land $108,170 Building $406,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10429 Loreto Ridge Dr 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 10429 Loreto Ridge Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2021–2023) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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