Lake County property record for 10975 Sperry Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,818 sqft · built 1974 |
| Lot Size | 10.3 acres (452,153 sqft) |
| Owner | Company Name on File |
| Tax Bill | $15,247 (2023) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-032-0-00-020-0 |
| Primary APN | 20-A-032-0-00-020-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,818 sqft Living Area |
| Gross Area | 3,338 sqft |
| 1st Floor Area | 1,144 sqft |
| Attic Area | 520 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 1,144 sqft |
| Family Room | Family Room |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Lot Area | 452,153 sqft (10.3 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | E 45 |
|---|---|
| Street Address | 10975 SPERRY RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-5175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 98 TRACT 3 |
| Legal Subdivision | CITY/KIRTLAND 03 |
| Legal Tract | 3 |
| Legal Lot Number | 98 480 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 206400 |
Source: Lake County records · APN 20-A-032-0-00-020-0
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 Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 492, CHESTERLAND, OH 44026-0492 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 24, 2014 |
| Deed Sale | Jan 24, 2014 |
| Deed Document Number | E196 |
| Prior Transfer Date | Jan 27, 1999 |
| Prior Transfer Doc | 990003738 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 10975 SPERRY RD, WILLOUGHBY, OH 44094-5175 |
| Document Number | 0000011192 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10975 SPERRY RD KIRTLAND OH 440945175, KIRTLAND, OH 44094-5175 |
| Document Number | 0000011192 |
|---|---|
| Date | May 08, 2018 |
| Instrument | 11192 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $15,247.00 (+112.92%) Homeowner's exemption Senior Citizen's exemption | $145,600 (-) Land $84,360 Building $61,240 | |
| 2022 | $7,161.00 Homeowner's exemption Senior Citizen's exemption | $145,600 Land $84,360 Building $61,240 | |
| 2021 | $416,020 Land $241,040 Building $174,980 |
Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
May also be available: Verizon.
Based on FCC filings for 39 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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