2160 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 2160 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,872 sqft · built 2004
Lot Size	0.245 acres (10,681 sqft)
Owner	2 Individual Names on File
Last Sale	$347,000 (Oct 2019)
Tax Bill	$12,896 (2023)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-E-00-026-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-E-00-026-0`
Alternative APN	`77`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,872 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	716 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,681 sqft (0.245 acres)
Lot Width	102 ft Width
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	102 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	77
Street Address	2160 N BAY DR
City	WILLOUGHBY
State	OH
Zip	44094-8057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 DOUGLASS TRACT
Legal Subdivision	NORTH BAY COLONY
Legal Lot Number	93
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2004
Census Tract	201600

Owner

2160 N Bay Dr is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2160 N BAY DR, WILLOUGHBY, OH 44094-8057
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
Oct 30, 2019	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND
Aug 31, 2018	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Aug 31, 2018 · Amount on File
Deed Document Number	448477
Record Updated	Jun 7, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Oct 30, 2019
Property Address	2160 N BAY DR, WILLOUGHBY, OH 44094-8057
Document Number	0000026736
Instrument Date	Oct 29, 2019
Instrument	26736
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,388.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 N BAY DR WILLOUGHBY OH 440948057, WILLOUGHBY, OH 44094-8057

Mortgage

Document Number	26737
Date	Oct 30, 2019
Instrument	26737

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Aug 31, 2018
Property Address	2160 N BAY DR, WILLOUGHBY, OH 44094-8057
Document Number	0000022343
Instrument Date	Aug 28, 2018
Instrument	22343
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	ENTERPRISE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,388.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 N BAY DR WILLOUGHBY OH 440948057, WILLOUGHBY, OH 44094-8057

Mortgage

Document Number	22344
Date	Aug 31, 2018
Instrument	22344

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2048

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	$12,896.00 (+54.91%) Homeowner's exemption	$136,210 (-) Land $23,690 Building $112,520
2022	$8,325.00 Homeowner's exemption	$136,210 Land $23,690 Building $112,520
2021			$389,170 Land $67,680 Building $321,490

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 2160 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 2160 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 99.1% of the US · lower than 96% 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	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 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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