10844 Sperry Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10844 Sperry Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,307 sqft · built 1947
Lot Size	2.55 acres (111,514 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2018)
Tax Bill	$10,230 (2023)
Deeds & Mortgages	Apr 2024 Second Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-031-A-00-007-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-031-A-00-007-0`
Alternative APN	`E 61`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,307 sqft Living Area
1st Floor Area	1,380 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	111,514 sqft (2.55 acres)
Garage Type	Carport
Garage Area	720 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	390 sqft
Patio Area	160 sqft
Canopy	390 sqft
Pole Barn	870 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	E 61
Street Address	10844 SPERRY RD
City	WILLOUGHBY
State	OH
Zip	44094-5179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 99 TRACT 3
Legal Subdivision	TRACT 3
Legal Tract	3
Legal Lot Number	99
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1019
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	Individual Name on Record
Mailing Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Mar 31, 2010 · Amount on Record
Deed Document Number	2777
Record Updated	Jun 7, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179

Mortgage

Document Number	0000005954
Date	Apr 1, 2024
Instrument	2024R005954

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035859
Date	Dec 3, 2020
Instrument	2020R035859

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Oct 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030384
Date	Dec 10, 2019
Instrument	2019R030384

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 1, 2039

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jul 20, 2018
Property Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179
Document Number	0000018211
Instrument Date	Jul 19, 2018
Instrument	2018R018211
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10844 SPERRY RD, WILLOUGHBY, OH 44094-5179

Mortgage

Document Number	0000018212
Date	Jul 20, 2018
Instrument	2018R018212

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$10,230.00 (+96.54%) Homeowner's exemption	$97,690 (-) Land $26,940 Building $70,750
2022	$5,205.00	$97,690 Land $26,940 Building $70,750
2021			$279,110 Land $76,980 Building $202,130

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

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

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sperry Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures