10945 Worrell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10945 Worrell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,874 sqft · built 1994
Lot Size	2 acres (87,120 sqft)
Owner	2 Owner Names on File
Last Sale	$355,000 (Mar 2006)
Tax Bill	$16,014 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-A-024-E-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-024-E-00-004-0`
Alternative APN	`C 24`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,874 sqft Living Area
Gross Area	3,914 sqft
1st Floor Area	1,174 sqft
Attic Area	748 sqft
Basement Area	292 sqft
Unfinished Basement	292 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	494 sqft
Patio Area	466 sqft
Pole Barn	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	C 24
Street Address	10945 WORRELL RD
City	WILLOUGHBY
State	OH
Zip	44094-9414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 106 TRACT 3
Legal Subdivision	KIRTLAND WOODS SUBDIVISION
Legal Tract	3
Legal Lot Number	4
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	2
Census Block	2007
Census Tract	206400

Owner

The current owner of 10945 Worrell Rd bought it in March 2006.

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

Owner of Record	2 Owner Names on File
Mailing Address	10945 WORRELL RD, WILLOUGHBY, OH 44094-9414
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2006 · Amount on File
Deed Sale	Mar 24, 2006 · Amount on File
Deed Document Number	999
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10945 WORRELL RD, WILLOUGHBY, OH 44094-9414
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025805
Date	Jul 27, 2021
Instrument	2021R025805

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10945 WORRELL RD, WILLOUGHBY, OH 44094-9414
Document Number	0000002499
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Feb 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10945 WORRELL RD WILLOUGHBY OH 440949414, WILLOUGHBY, OH 44094-9414

Mortgage

Document Number	0000002499
Date	Feb 5, 2019
Instrument	2499

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 4, 2059

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	$16,014.00 (+102.15%) Homeowner's exemption	$152,930 (-) Land $27,670 Building $125,260
2022	$7,922.00 Homeowner's exemption	$152,930 Land $27,670 Building $125,260
2021			$436,940 Land $79,060 Building $357,880

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

FEMA maps place 10945 Worrell Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10945 Worrell Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Worrell Rd

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