2939 Gale Rd, Willoughby, OH 44094 Property Records

Lake County property record for 2939 Gale Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 832 sqft · built 1964
Lot Size	0.248 acres (10,799 sqft)
Owner	Individual Name on Record
Last Sale	$1,650,000 (Aug 2023)
Tax Bill	$1,779 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-046-B-00-030-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-046-B-00-030-0`
Alternative APN	`B 177`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	132 sqft
Deck Area	216 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2939 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 Block	1
Legal Lot Number	56
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201600

Owner

Source: Lake County records, as of April 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Survivorship Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON MORTGAGE CO
Jul 17, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 26, 2019	Warranty Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	202317292
Record Updated	Oct 29, 2026

August 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAKE OH
Recording Date	Aug 31, 2023
Property Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601
Document Number	0000017292
Map Reference	VOL D PG 49
Instrument Date	Aug 29, 2023
Instrument	2023R017292
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Right of Survivorship
Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601

Mortgage

Document Number	0000017293
Date	Aug 31, 2023
Instrument	2023R017293

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011147
Date	Apr 2, 2021
Instrument	2021R011147

Lender

Name	THE HUNTINGTON MORTGAGE CO
Type	Mortgage Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016348
Date	Jul 17, 2019
Instrument	2019R016348

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Apr 26, 2019
Property Address	2939 GALE RD, WILLOUGHBY, OH 44094-7601
Document Number	0000009123
Instrument Date	Apr 25, 2019
Instrument	9123
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 GALE RD WILLOUGHBY OH 440947601, WILLOUGHBY, OH 44094-7601

Mortgage

Document Number	9124
Date	Apr 26, 2019
Instrument	9124

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$36,890 (+96.33%) Land $17,840 Building $19,050	$105,410 (+96.37%) Land $50,980 Building $54,430
2023	$1,779.00 (+50.25%) Homeowner's exemption	$18,790 (-) Land $14,250 Building $4,540
2022	$1,184.00 Homeowner's exemption	$18,790 Land $14,250 Building $4,540
2021			$53,680 Land $40,710 Building $12,970

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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