2965 Steve Guard Ct, Willoughby, OH 44094 Property Records

Lake County property record for 2965 Steve Guard Ct, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,284 sqft · built 2014
Lot Size	0.339 acres (14,776 sqft)
Owner	Individual Name on Record
Last Sale	$458,000 (Jan 2021)
Tax Bill	$15,134 (2023)
Deeds & Mortgages	Jan 2021 Sale & Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-F-00-001-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-F-00-001-0`
Alternative APN	`235`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,284 sqft Living Area
Gross Area	3,804 sqft
1st Floor Area	1,174 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	14,776 sqft (0.339 acres)
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	221 sqft
Balcony	Balcony
Balcony Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	235
Street Address	2965 STEVE GUARD CT
City	WILLOUGHBY
State	OH
Zip	44094-7798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, 2 & 15 GORE TRACT
Legal Subdivision	MELROSE FARMS
Legal Lot Number	38
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2007
Census Tract	201600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2965 STEVE GUARD CT, WILLOUGHBY, OH 44094-7798
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	459426
Record Updated	Jun 7, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jan 27, 2021
Property Address	2965 STEVE GUARD CT, WILLOUGHBY, OH 44094-7798
Document Number	0000002933
Map Reference	VOL 62 PG 6
Instrument Date	Jan 25, 2021
Instrument	2021R002933
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	EMERALD GLEN TITLE AGENCY

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	2965 STEVE GUARD CT, WILLOUGHBY, OH 44094-7798

Mortgage

Document Number	0000002934
Date	Jan 27, 2021
Instrument	2021R002934

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2965 STEVE GUARD CT, WILLOUGHBY, OH 44094-7798
Document Number	0000012600
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2965 STEVE GUARD CT WILLOUGHBY OH 440947798, WILLOUGHBY, OH 44094-7798

Mortgage

Document Number	0000012600
Date	May 18, 2020
Instrument	12600

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 17, 2030

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	2965 STEVE GUARD CT, WILLOUGHBY, OH 44094-7798
Document Number	0000003667
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 STEVE GUARD CT WILLOUGHBY OH 440947798, WILLOUGHBY, OH 44094-7798

Mortgage

Document Number	0000003667
Date	Feb 15, 2018
Instrument	3667

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 14, 2033

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	$15,134.00 (+55.06%) Homeowner's exemption	$159,850 (-) Land $44,330 Building $115,520
2022	$9,760.00 Homeowner's exemption	$159,850 Land $44,330 Building $115,520
2021			$456,700 Land $126,650 Building $330,050

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
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

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
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 235 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

2965 Steve Guard Ct, Willoughby, OH 44094 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Steve Guard Ct

Nearby Streets

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