Lake County property record for 10645 Wisner Rd, Willoughby, OH 44094
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Details | 9 bd · 14 ba · 4,188 sqft · built 2000 |
| Lot Size | 29.1 acres (1,267,596 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $99,829 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-033-0-00-023-0 |
| Primary APN | 20-A-033-0-00-023-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 14 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,188 sqft Total Area |
| Gross Area | 16,308 sqft |
| 1st Floor Area | 8,868 sqft |
| Attic Area | 920 sqft |
| Family Room | Family Room |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Old Style |
| Exterior Material | Wood Siding |
| Lot Area | 1,267,596 sqft (29.1 acres) |
| Garage Area | 4,608 sqft |
| Parking Spaces | 15 Parking Spaces |
| Porch | Porch |
| Porch Area | 792 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 85 |
|---|---|
| Street Address | 10645 WISNER RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6830 |
| 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 Tract | 3 |
| Legal Lot Number | 96 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 206400 |
10645 Wisner Rd, an agricultural property, is owned and occupied by an individual who acquired it in March 1988.
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10645 WISNER RD, KIRTLAND, OH 44094-6830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Aug 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 1988 |
| Deed Sale | Mar 11, 1988 |
| Deed Document Number | E639 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10645 WISNER RD, WILLOUGHBY, OH 44094-6830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0000025718 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021R025718 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10645 WISNER RD, KIRTLAND, OH 44094-6830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0000020178 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 2019R020178 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2034 |
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 | $99,829.00 (+96.02%) Homeowner's exemption | $953,300 (-) Land $127,530 Building $825,770 | |
| 2022 | $50,927.00 | $953,300 Land $127,530 Building $825,770 | |
| 2021 | $2,723,730 Land $364,380 Building $2,359,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10645 Wisner 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 10645 Wisner 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 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 |
5G (outdoors only) and 4G LTE
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