2045 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 2045 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,369 sqft · built 2003
Lot Size	0.265 acres (11,565 sqft)
Owner	2 Owner Names on File
Last Sale	$315,000 (Nov 2003)
Tax Bill	$11,134 (2023)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-E-00-053-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-E-00-053-0`
Alternative APN	`68`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,369 sqft Living Area
Gross Area	3,320 sqft
1st Floor Area	709 sqft
Basement Area	951 sqft
Unfinished Basement	951 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,565 sqft (0.265 acres)
Lot Width	83 ft Width
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	98 sqft
Patio Area	810 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	68
Street Address	2045 N BAY DR
City	WILLOUGHBY
State	OH
Zip	44094-8056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 DOUGLASS TRACT
Legal Subdivision	NORTH BAY COLONY
Legal Lot Number	119
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2002
Census Tract	201600

Owner

The current owner of 2045 N Bay Dr bought it in November 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	2045 N BAY DR, WILLOUGHBY, OH 44094-8056

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2003 · Amount on File
Deed Sale	Nov 21, 2003 · Amount on File
Prior Sale	Jun 11, 2003 · Amount on File
Deed Document Number	5235
Deed Book / Page	38 / 39
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2045 N BAY DR, WILLOUGHBY, OH 44094-8056
Transaction Type	Mortgage
Record Updated	Jan 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 N BAY DR, WILLOUGHBY, OH 44094-8056

Mortgage

Document Number	0000028636
Date	Dec 22, 2025
Instrument	2025R028636

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

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	$11,134.00 (+38.17%) Homeowner's exemption	$117,600 (-) Land $25,650 Building $91,950
2022	$8,058.00 Homeowner's exemption	$117,600 Land $25,650 Building $91,950
2021			$335,990 Land $73,280 Building $262,710

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 2045 N Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013

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 2045 N Bay Dr is low, with less than 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 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	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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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