11055 Sperry Rd, Willoughby, OH 44094 Property Records

Lake County property record for 11055 Sperry Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,366 sqft · built 1973
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,510 (2023)
Deeds & Mortgages	May 2026 Sale May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-A-032-0-00-023-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-032-0-00-023-0`
Alternative APN	`E 50`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,366 sqft Living Area
1st Floor Area	1,264 sqft
Basement Area	620 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	145 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	80 sqft
Greenhouse	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	11055 SPERRY RD
City	WILLOUGHBY
State	OH
Zip	44094-5174
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 Block	1
Legal Lot Number	98
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1021
Census Tract	206400

Owner

11055 Sperry Rd is owned and occupied by two individuals who acquired it in July 1983.

Source: Lake County records, as of June 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11055 SPERRY RD, WILLOUGHBY, OH 44094-5174
Occupancy	Owner Occupied
Owner Type	Individual

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
May 26, 2026	Affidavit, Transfer
May 27, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 1983
Deed Sale	Jul 27, 1983
Record Updated	Sep 20, 2026

May 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LAKE OH
Recording Date	May 26, 2026
Property Address	11055 SPERRY RD, WILLOUGHBY, OH 44094-5174
Document Number	0000011099
Instrument Date	May 25, 2026
Instrument	202611099
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11055 SPERRY RD, WILLOUGHBY, OH 44094-5174
Investor	Possibly a Property Investor

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	11055 SPERRY RD, WILLOUGHBY, OH 44094-5174
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11055 SPERRY RD, WILLOUGHBY, OH 44094-5174

Mortgage

Document Number	0000015246
Date	May 27, 2022
Instrument	2022R015246

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025	Homeowner's exemption	$108,080 Land $36,500 Building $71,580	$308,790 Land $104,290 Building $204,500
2023	$7,510.00 (+128.75%) Homeowner's exemption Senior Citizen's exemption	$71,720 (-) Land $29,140 Building $42,580
2022	$3,283.00 Homeowner's exemption Senior Citizen's exemption	$71,720 Land $29,140 Building $42,580
2021			$204,930 Land $83,270 Building $121,660

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11055 Sperry Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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

Wildfire risk around 11055 Sperry Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

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