Lake County property record for 2977 Gale Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,332 sqft · built 1979 |
| Lot Size | 0.248 acres (10,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $315,000 (May 2026) |
| Tax Bill | $3,726 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-046-B-00-024-0 |
| Primary APN | 27-B-046-B-00-024-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,542 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 200 sqft |
| Finished Basement | 200 sqft |
| Family Room | Family Room |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,799 sqft (0.248 acres) |
| Lot Dimensions | 180 ft deep x 60 ft wide |
| Garage Type | Basement |
| Garage Area | 2 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 270 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 2977 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 | 50 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 201600 |
Source: Lake County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Feb 5, 2026 | Deed of Trust, Mortgage JOSEPH A HELTON |
| May 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage INFINITE TITLE, INFINITY TITLE |
| Dec 23, 2025 | Warranty Deed, Transfer JAEMS HELTON |
| Dec 22, 2023 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Prior Sale | Dec 23, 2025 · Amount on Record |
| Deed Document Number | 20269977 |
| Prior Transfer Date | Feb 17, 2004 |
| Prior Transfer Doc | 0000007843 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2026 |
| Title Company | INFINITE TITLE, INFINITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 12546 WOODSIDE DR, CHESTERLAND, OH 44026-2531 |
| Document Number | 0000002358 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 2026R002358 |
| Name | JOSEPH A HELTON |
|---|---|
| Type | Private Party |
| Address | 12495 EUGENE DR, CHESTERLAND, OH 44026 |
| Amount | Amount Recorded |
|---|---|
| Term | 11 Months |
| Due | Jan 13, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 12, 2026 |
| Property Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Document Number | 0000009977 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.9977 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | INFINITE TITLE, INFINITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Document Number | 0000009978, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026.9978 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 23, 2025 |
| Property Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Document Number | 0000028822 |
| Map Reference | VOL D PG 49 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 2025R028822 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12546 WARD DR, CHESTERLAND, OH 44026-2543 |
| Document Number | 0000028823 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2025R028823 |
| Name | JAEMS HELTON |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 22, 2023 |
| Property Address | 2977 GALE RD, WILLOUGHBY, OH 44094-7601 |
| Document Number | 0000025524 |
| Map Reference | VOL D PG 49 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 2023R025524 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $77,250 (-) Land $17,840 Building $59,410 | $220,720 (-) Land $50,980 Building $169,740 | |
| 2024 | $3,726.00 (-40.29%) Homeowner's exemption Senior Citizen's exemption | $77,250 (+17.21%) Land $17,840 Building $59,410 | $220,720 (+17.2%) Land $50,980 Building $169,740 |
| 2023 | $6,240.00 (+77.02%) Homeowner's exemption Senior Citizen's exemption | $65,910 (-) Land $14,250 Building $51,660 | |
| 2022 | $3,525.00 Homeowner's exemption Senior Citizen's exemption | $65,910 Land $14,250 Building $51,660 | |
| 2021 | $188,320 Land $40,710 Building $147,610 |
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.
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.
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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures