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10875 Sperry Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10875 Sperry Rd, Willoughby, OH 44094 · Last verified May 2024

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 2,634 sqft · built 1950
Lot Size7.26 acres (316,246 sqft)
OwnerIndividual Name on File
Last Sale$287,000 (Oct 2015)
Tax Bill$10,154 (2023)
Deeds & MortgagesDec 2021 Mortgage
Jun 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN20-A-032-A-00-004-0

Property Details

APN / Parcel Number

Primary APN20-A-032-A-00-004-0
Alternative APN
  • E 43

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area2,634 sqft Living Area
1st Floor Area1,137 sqft
Family RoomFamily Room
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1988
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area316,246 sqft (7.26 acres)
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchCovered Porch
Porch Area396 sqft
Deck Area192 sqft
Patio Area535 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas

Location & Zoning

Account NumberE 43
Street Address10875 SPERRY RD
CityWILLOUGHBY
StateOH
Zip44094-5176
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionLOT 98 TRACT 3
Legal Tract3
Legal Lot Number98 200
JurisdictionLAKE OH
Township / Civil DivisionKIRTLAND
Census Block Group1
Census Block1021
Census Tract206400

Owner

Source: Lake County records · APN 20-A-032-A-00-004-0

Assessment roll updated August 1, 2023 · Last verified May 2024

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address10875 SPERRY RD, KIRTLAND, OH 44094-5176
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 06, 2021Deed of Trust, Mortgage · Commercial Mortgage
FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 09, 2022Deed of Trust, Mortgage · Line of Credit
FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 01, 2015 · Amount on Record
Deed SaleOct 01, 2015 · Amount on Record
Prior SaleFeb 29, 1996 · Amount on Record
Deed Document Number3543
Record UpdatedJun 07, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE OH
Property Address10875 SPERRY RD, WILLOUGHBY, OH 44094-5176
Transaction TypeMortgage
Record UpdatedApr 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address10875 SPERRY RD, KIRTLAND, OH 44094-5176

Mortgage

Document Number0000042736
DateDec 06, 2021
Instrument2021R042736
Lender
NameFIRST NATIONAL BANK OF PENNSYLVANIA
TypeBank
AddressCHARDON, OH 44024
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term239 Months
DueNov 29, 2041
Interest
Rate TypeAdjustable Rate

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE OH
Property Address10875 SPERRY RD, WILLOUGHBY, OH 44094-5176
Transaction TypeMortgage
Record UpdatedApr 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address10875 SPERRY RD, KIRTLAND, OH 44094-5176

Mortgage

Document Number0000016326
DateJun 09, 2022
Instrument2022R016326
Lender
NameFIRST NATIONAL BANK OF PENNSYLVANIA
TypeBank
AddressCHARDON, OH 44024
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityKirtland City
Unified School DistrictKirtland Local School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2023$10,154.00 (+100.99%) Homeowner's exemption$111,690 (-) Land $55,500 Building $56,190
2022$5,052.00 Homeowner's exemption$111,690 Land $55,500 Building $56,190
2021$319,120 Land $158,580 Building $160,540

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852064001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims2 (1978–2006)
Claims Outside the SFHA1 of 2
Most Recent ClaimJul 2006, river or lake flooding, Severe Storms, Straight Line Winds, And Flooding

Wildfire

Wildfire RiskLow
above 20% of the US · above 64% of Ohio
Wildfire LikelihoodAbout 1 in 5,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 22 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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