10991 Tibbetts Rd, Willoughby, OH 44094 Property Records

Lake County property record for 10991 Tibbetts Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,309 sqft · built 1957
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,947 (2023)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-A-027-0-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-027-0-00-002-0`
Alternative APN	`D 31`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,309 sqft Living Area
1st Floor Area	1,309 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	D 31
Street Address	10991 TIBBETTS RD
City	WILLOUGHBY
State	OH
Zip	44094-5193
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 103 TRACT 3
Legal Subdivision	KIRTLAND TOWNSHIP 03
Legal Tract	3
Legal Lot Number	10
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	2
Census Block	2011
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	2 Individual Names on Record
Mailing Address	10991 TIBBETTS RD, WILLOUGHBY, OH 44094-5193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND
Mar 8, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 1956
Deed Sale	May 22, 1956
Record Updated	Jun 7, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10991 TIBBETTS RD, WILLOUGHBY, OH 44094-5193
Document Number	0000026358
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Oct 9, 2017
Title Company	THIRD CAPITAL

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10991 TIBBETTS RD KIRTLAND OH 440945193, KIRTLAND, OH 44094-5193

Mortgage

Document Number	0000026358
Date	Oct 2, 2017
Instrument	26358

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2027

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	10991 TIBBETTS RD, WILLOUGHBY, OH 44094-5193
Document Number	0000007247
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Mar 29, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10991 TIBBETTS RD KIRTLAND OH 440945193, KIRTLAND, OH 44094-5193

Mortgage

Document Number	0000007247
Date	Mar 22, 2017
Instrument	7247

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2047

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	$5,947.00 (+100.71%) Homeowner's exemption	$56,790 (-) Land $23,620 Building $33,170
2022	$2,963.00 Homeowner's exemption	$56,790 Land $23,620 Building $33,170
2021			$162,260 Land $67,480 Building $94,780

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

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

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	0.02% 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	AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2021–2023) 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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