2960 Millgate Dr, Willoughby Hills, OH 44094 Property Records

Lake County property record for 2960 Millgate Dr, Willoughby Hills, OH 44094

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,653 sqft · built 1979
Lot Size	2.6 acres (113,256 sqft)
Owner	Individual Name on Record
Last Sale	$577,000 (May 2026)
Tax Bill	$12,333 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`31-A-001-G-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`31-A-001-G-00-004-0`
Alternative APN	`D 49`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,653 sqft Living Area
1st Floor Area	3,220 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	113,256 sqft (2.6 acres)
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	196 sqft
Patio Area	143 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2960 MILLGATE DR
City	WILLOUGHBY HILLS
State	OH
Zip	44094-9470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 8 TRACT 1
Legal Subdivision	MILL GATE ESTATES SUBDIVISION
Legal Tract	1
Legal Block	1
Legal Lot Number	8
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY HILLS
Census Block Group	1
Census Block	1019
Census Tract	201102

Owner

Source: Lake County records, as of July 22, 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	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Sep 20, 2024	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
May 24, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 19, 2019	Survivorship Deed, Transfer · FHA Mortgage UNION CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	202611021
Prior Transfer Date	May 13, 2021
Prior Transfer Doc	0000017625
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	FAMS DTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

Mortgage

Document Number	0000006813
Date	Mar 7, 2022
Instrument	2022R006813

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

Mortgage

Document Number	0000018857
Date	Sep 20, 2024
Instrument	2024R018857

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02940

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Feb 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	May 22, 2026
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Document Number	0000011021
Instrument Date	May 20, 2026
Instrument	202611021
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233,108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

Mortgage

Document Number	0000011022,
Date	May 22, 2026
Instrument	202611022

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Apr 8, 2026
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Document Number	0000007031
Instrument Date	Mar 24, 2026
Instrument	20267031
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

Mortgage

Document Number	0000007031,
Date	Apr 8, 2026
Instrument	20267031

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 1, 2066

Interest

Rate	5.98%
Max Rate	-1%

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	May 24, 2021
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Document Number	0000017625
Map Reference	VOL V PG 21-1
Instrument Date	May 13, 2021
Instrument	2021R017625
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

June 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAKE OH
Recording Date	Jun 19, 2019
Property Address	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470
Document Number	0000013873
Map Reference	VOL V PG 21-1
Instrument Date	Jun 18, 2019
Instrument	2019R013873
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	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	2960 MILLGATE DR, WILLOUGHBY HILLS, OH 44094-9470

Mortgage

Document Number	0000013874
Date	Jun 19, 2019
Instrument	2019R013874

Lender

Name	UNION CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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 Hills City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$193,870 (+43.27%) Land $35,730 Building $158,140	$553,900 (+43.27%) Land $102,080 Building $451,820
2023	$12,333.00 (+48.41%) Homeowner's exemption	$135,320 (-) Land $27,770 Building $107,550
2022	$8,310.00 Homeowner's exemption	$135,320 Land $27,770 Building $107,550
2021			$386,620 Land $79,340 Building $307,280

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

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
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (2006–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2026 · 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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