2275 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 2275 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,540 sqft · built 2002
Lot Size	0.232 acres (10,123 sqft)
Owner	2 Owner Names on File
Last Sale	$279,000 (Jun 2002)
Tax Bill	$10,510 (2023)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-E-00-011-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-E-00-011-0`
Alternative APN	`52`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,540 sqft Living Area
1st Floor Area	1,224 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,123 sqft (0.232 acres)
Lot Width	75 ft Width
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	115 sqft
Deck Area	612 sqft
Patio Area	612 sqft
Balcony	Balcony
Balcony Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	52
Street Address	2275 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	78
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2003
Census Tract	201600

Owner

The current owner of 2275 N Bay Dr bought it in June 2002.

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

Owner of Record	2 Owner Names on File
Mailing Address	2275 N BAY DR, WILLOUGHBY, OH 44094-8062

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
Jan 25, 2022	Deed of Trust, Mortgage · Line of Credit BEST REWARD FCU
Dec 22, 2016	Deed of Trust, Mortgage · Line of Credit BEST REWARD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2002 · Amount on File
Deed Sale	Jun 4, 2002 · Amount on File
Deed Document Number	2042
Deed Book / Page	38 / 39
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2275 N BAY DR, WILLOUGHBY, OH 44094-8062
Transaction Type	Mortgage
Record Updated	Apr 18, 2022
Title Company	GUARDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002792
Date	Jan 25, 2022
Instrument	2022R002792

Lender

Name	BEST REWARD FCU
Type	Credit Union
Address	BROOKPARK, OH 44142

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 24, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2275 N BAY DR, WILLOUGHBY, OH 44094-8062
Document Number	0000001923
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Jan 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2275 N BAY DR WILLOUGHBY OH 440948062, WILLOUGHBY, OH 44094-8062

Mortgage

Document Number	0000001923
Date	Jan 23, 2017
Instrument	1923

Lender

Name	BEST REWARD CU
Type	Credit Union
Address	WALTON HILLS, OH 44146

Agreement

Type	Line of Credit
Amount	Amount on Record

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	$10,510.00 (+54.76%) Homeowner's exemption	$111,010 (-) Land $24,700 Building $86,310
2022	$6,791.00 Homeowner's exemption	$111,010 Land $24,700 Building $86,310
2021			$317,150 Land $70,560 Building $246,590

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 2275 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 2275 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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