10900 Heath Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10900 Heath Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1948
Lot Size	2.25 acres (98,010 sqft)
Owner	Individual Name on Record
Tax Bill	$6,833 (2023)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-A-033-B-00-012-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-033-B-00-012-0`
Alternative APN	`E 12`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,386 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	572 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	98,010 sqft (2.25 acres)
Garage Type	Detached

Exterior Amenities

Porch	Open Porch
Porch Area	246 sqft
Patio Area	752 sqft
Shed	1 Shed
Shed Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	E 12
Street Address	10900 HEATH RD
City	WILLOUGHBY
State	OH
Zip	44094-5184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 97 & 98 TRACT 3
Legal Subdivision	KIRTLAND TOWNSHIP 03
Legal Tract	3
Legal Lot Number	97,98 98
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1021
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
Co-owner	Co-owner on Record
Mailing Address	10900 HEATH RD, WILLOUGHBY, OH 44094-5184
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL CU INC
May 17, 2019	Deed of Trust, Mortgage · Line of Credit CARDINAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Feb 22, 1996 · Amount on Record
Last Transfer Date	Aug 30, 2021
Transfer Doc	0000030410
Record Updated	Jun 7, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE OH
Recording Date	Aug 30, 2021
Property Address	10900 HEATH RD, WILLOUGHBY, OH 44094-5184
Document Number	0000030410
Instrument Date	Aug 25, 2021
Instrument	2021R030410
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	LAKE COUNTY TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8500 WESTPORT DR, MENTOR, OH 44060-4123

Mortgage

Document Number	0000030411
Date	Aug 30, 2021
Instrument	2021R030411

Lender

Name	CARDINAL CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10900 HEATH RD, WILLOUGHBY, OH 44094-5184
Document Number	0000012564
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	LAKE COUNTY TITLE COMPANY, LAKE COUNTY TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10900 HEATH RD KIRTLAND OH 440945184, KIRTLAND, OH 44094-5184

Mortgage

Document Number	0000012564
Date	Jun 5, 2019
Instrument	12564

Lender

Name	CARDINAL CU
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 4, 2039

Interest

Rate Type	Adjustable Rate

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	$6,833.00 (+100.32%) Homeowner's exemption	$65,250 (-) Land $37,000 Building $28,250
2022	$3,411.00 Homeowner's exemption	$65,250 Land $37,000 Building $28,250
2021			$186,420 Land $105,710 Building $80,710

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
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 93% of the US · lower than 68% 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 47 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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