1097 Garden Rd, Willoughby, OH 44094 Property Records

Lake County property record for 1097 Garden Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1942
Lot Size	0.137 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Jul 2019)
Tax Bill	$3,304 (2023)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-057-H-00-024-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-057-H-00-024-0`
Alternative APN	`E 342`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	624 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	5,998 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	20 sqft
Deck Area	20 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	E 342
Street Address	1097 GARDEN RD
City	WILLOUGHBY
State	OH
Zip	44094-7319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 4 DOUGLASS TRACT
Legal Subdivision	LAKE FOREST PARK SUBDIVISION
Legal Block	5
Legal Lot Number	24
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1003
Census Tract	201700

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	1097 GARDEN RD, WILLOUGHBY, OH 44094-7319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 2, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 29, 2017	Warranty Deed, Transfer ENTERPRISE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Dec 29, 2017
Deed Document Number	445286
Record Updated	Jun 7, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	1097 GARDEN RD, WILLOUGHBY, OH 44094-7319
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034850
Date	Nov 23, 2020
Instrument	2020R034850

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jul 2, 2019
Property Address	1097 GARDEN RD, WILLOUGHBY, OH 44094-7319
Document Number	0000015144
Map Reference	VOL D PG 53
Instrument Date	Jun 27, 2019
Instrument	2019R015144
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	ENTERPRISE TITLE AGENCY INC

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 GARDEN RD, WILLOUGHBY, OH 44094-7319

Mortgage

Document Number	0000015145
Date	Jul 2, 2019
Instrument	2019R015145

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Dec 29, 2017
Property Address	1097 GARDEN RD, WILLOUGHBY, OH 44094-7319
Document Number	0000035371
Instrument Date	Dec 27, 2017
Instrument	35371
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount Recorded
Tax	$344.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 GARDEN RD WILLOUGHBY OH 440947319, WILLOUGHBY, OH 44094-7319

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,304.00 (+101.96%) Homeowner's exemption	$34,900 (+33.1%) Land $9,480 Building $25,420
2022	$1,636.00 Homeowner's exemption	$26,220 Land $7,770 Building $18,450
2021			$99,700 Land $27,080 Building $72,620

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 Claims	10 (1986–2006)
Claims Outside the SFHA	8 of 10
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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garden Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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