2931 Gale Rd, Willoughby, OH 44094 Property Records

Lake County property record for 2931 Gale Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,923 sqft · built 1951
Lot Size	0.247 acres (10,799 sqft)
Owner	Individual Name on File
Tax Bill	$8,094 (2023)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`27-B-046-B-00-031-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-046-B-00-031-0`
Alternative APN	`B 176`

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	2,923 sqft Living Area
Gross Area	4,227 sqft
1st Floor Area	308 sqft
Attic Area	872 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,799 sqft (0.247 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	B 176
Street Address	2931 GALE RD
City	WILLOUGHBY
State	OH
Zip	44094-7601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 1 & 2 GORE TRACT
Legal Subdivision	BREEZY HILL ALLOTMENT NO. 1
Legal Lot Number	57
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201600

Owner

2931 Gale Rd is owned and occupied by an individual who acquired it in September 2003.

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

Owner of Record	Individual Name on File
Mailing Address	2931 GALE RD, WILLOUGHBY, OH 44094-7601
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 14, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jan 24, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2003
Deed Sale	Sep 23, 2003
Deed Document Number	E3874
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2931 GALE RD, WILLOUGHBY, OH 44094-7601
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 GALE RD, WILLOUGHBY, OH 44094-7601

Mortgage

Document Number	0000027980
Date	Oct 14, 2022
Instrument	2022R027980

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jan 1, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	2931 GALE RD, WILLOUGHBY, OH 44094-7601
Document Number	0000004574
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 GALE RD WILLOUGHBY OH 440947601, WILLOUGHBY, OH 44094-7601

Mortgage

Document Number	0000004574
Date	Feb 21, 2020
Instrument	4574

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2050

Interest

Rate	3.37%

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	$8,094.00 (+34.36%) Homeowner's exemption	$85,490 (-) Land $14,250 Building $71,240
2022	$6,024.00 Homeowner's exemption	$85,490 Land $14,250 Building $71,240
2021			$244,250 Land $40,710 Building $203,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2931 Gale Rd 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	6 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013 · rainfall accumulation

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 2931 Gale Rd 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	None beyond 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
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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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