10565 Wisner Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10565 Wisner Rd, Willoughby, OH 44094

Property Summary

Property Type	Farm - Irrigated or Dry
Details	8 bd · 9 ba · 5,798 sqft · built 2002
Lot Size	21.2 acres (923,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$403,000 (Dec 1996)
Tax Bill	$41,123 (2023)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-033-0-00-025-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-033-0-00-025-0`
Alternative APN	`84`

Interior

Bedrooms	8 Beds
Full Baths	9 Baths
Plumbing Fixtures	29 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,798 sqft Total Area
Gross Area	7,296 sqft
1st Floor Area	3,600 sqft
Family Room	Family Room
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Contemporary
Exterior Material	Brick
Lot Area	923,472 sqft (21.2 acres)
Garage Area	2,511 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	978 sqft
Patio Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	84
Street Address	10565 WISNER RD
City	WILLOUGHBY
State	OH
Zip	44094-9595
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	R-3
Legal Description	LOT 96 TRACT 3
Legal Subdivision	MENTOR/LK CONDO PH 02
Legal Tract	3
Legal Lot Number	96
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1013
Census Tract	206400

Owner

Source: Lake County records, as of April 25, 2024

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

Owner of Record	2 Individual Names on Record
Mailing Address	10609 CHILLICOTHE RD, KIRTLAND, OH 44094-5100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Line of Credit ERIEBANK
Aug 19, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 29, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 1996 · Amount on Record
Deed Sale	Dec 4, 1996 · Amount on Record
Deed Document Number	4902
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10565 WISNER RD, WILLOUGHBY, OH 44094-9595
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10565 WISNER RD, KIRTLAND, OH 44094-9595

Mortgage

Document Number	0000002181
Date	Feb 8, 2023
Instrument	2023R002181

Lender

Name	ERIEBANK
Type	Bank
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Dec 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10565 WISNER RD, WILLOUGHBY, OH 44094-9595
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019497
Date	Aug 19, 2019
Instrument	2019R019497

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10565 WISNER RD, WILLOUGHBY, OH 44094-9595
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038593
Date	Dec 29, 2020
Instrument	2020R038593

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 24, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$41,123.00 (+97.5%) Homeowner's exemption	$392,700 (-) Land $106,150 Building $286,550
2022	$20,822.00 Homeowner's exemption	$392,700 Land $106,150 Building $286,550
2021			$1,122,000 Land $303,290 Building $818,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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