2255 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 2255 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,876 sqft · built 2003
Lot Size	0.263 acres (11,474 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (Jun 2020)
Tax Bill	$13,539 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-E-00-012-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-E-00-012-0`
Alternative APN	`53`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,876 sqft Living Area
Gross Area	5,002 sqft
1st Floor Area	706 sqft
Basement Area	2,116 sqft
Finished Basement	990 sqft
Unfinished Basement	1,126 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,474 sqft (0.263 acres)
Lot Width	85 ft Width
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	105 sqft
Deck Area	180 sqft
Patio Area	476 sqft
Gazebo	148 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	53
Street Address	2255 N BAY DR
City	WILLOUGHBY
State	OH
Zip	44094-8062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 DOUGLASS TRACT
Legal Subdivision	NORTH BAY COLONY
Legal Lot Number	79
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2003
Census Tract	201600

Owner

2255 N Bay Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2255 N BAY DR, WILLOUGHBY, OH 44094-8062
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
Feb 12, 2021	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 5, 2020	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 10, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on File
Deed Sale	Jun 5, 2020 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	453155
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2255 N BAY DR, WILLOUGHBY, OH 44094-8062
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005157
Date	Feb 12, 2021
Instrument	2021R005157

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jun 5, 2020
Property Address	2255 N BAY DR, WILLOUGHBY, OH 44094-8062
Document Number	0000014561
Map Reference	VOL 38 PG 39
Instrument Date	Jun 1, 2020
Instrument	2020R014561
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2255 N BAY DR, WILLOUGHBY, OH 44094-8062

Mortgage

Document Number	0000014562
Date	Jun 5, 2020
Instrument	2020R014562

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2255 N BAY DR, WILLOUGHBY, OH 44094-8062
Document Number	0000031720
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2255 N BAY DR WILLOUGHBY OH 440948062, WILLOUGHBY, OH 44094-8062

Mortgage

Document Number	0000031720
Date	Nov 20, 2017
Instrument	31720

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 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	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	$13,539.00 (+54.96%) Homeowner's exemption	$143,000 (-) Land $25,450 Building $117,550
2022	$8,737.00 Homeowner's exemption	$143,000 Land $25,450 Building $117,550
2021			$408,560 Land $72,700 Building $335,860

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 2255 N Bay Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	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

The area around 2255 N Bay Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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
Also Mapped Here	AQUA OHIO - MENTOR
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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