2375 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 2375 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,503 sqft · built 2001
Lot Size	0.291 acres (12,680 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jul 2018)
Tax Bill	$10,049 (2023)
Deeds & Mortgages	Nov 2019 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-E-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-E-00-002-0`
Alternative APN	`43`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,503 sqft Living Area
1st Floor Area	2,477 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,680 sqft (0.291 acres)
Lot Width	61.3 ft Width
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Patio Area	832 sqft
Balcony	Balcony
Balcony Area	26 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	43
Street Address	2375 N BAY DR
City	WILLOUGHBY
State	OH
Zip	44094-8064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 DOUGLASS TRACT
Legal Subdivision	NORTH BAY COLONY
Legal Lot Number	69
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2003
Census Tract	201600

Owner

2375 N Bay Dr is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2375 N BAY DR, WILLOUGHBY, OH 44094-8064
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
Nov 12, 2019	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Feb 20, 2019	Deed of Trust, Mortgage · FHA Mortgage GOLDWATER BANK NA
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 19, 2018	Warranty Deed, Transfer DEEPHAVEN MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Prior Sale	Aug 23, 2001 · Amount on File
Deed Document Number	2741
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2375 N BAY DR, WILLOUGHBY, OH 44094-8064
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027748
Date	Nov 12, 2019
Instrument	2019R027748

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2375 N BAY DR, WILLOUGHBY, OH 44094-8064
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003504
Date	Feb 20, 2019
Instrument	2019R003504

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2375 N BAY DR, WILLOUGHBY, OH 44094-8064
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	INFINITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010847
Date	Mar 31, 2021
Instrument	2021R010847

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jul 19, 2018
Property Address	2375 N BAY DR, WILLOUGHBY, OH 44094-8064
Document Number	0000018068
Instrument Date	Jul 18, 2018
Instrument	18068
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	REVERE TITLE

Transaction

Amount	Amount on Record
Tax	$128.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2375 N BAY DR WILLOUGHBY OH 440948064, WILLOUGHBY, OH 44094-8064

Mortgage

Document Number	18069
Date	Jul 19, 2018
Instrument	18069

Lender

Name	DEEPHAVEN MTG LLC
Address	CHARLOTTE, NC 28277

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 18, 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	$10,049.00 (+54.72%) Homeowner's exemption	$106,140 (-) Land $26,010 Building $80,130
2022	$6,495.00 Homeowner's exemption	$106,140 Land $26,010 Building $80,130
2021			$303,260 Land $74,320 Building $228,940

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 2375 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 2375 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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